Your Dream Home, Made Possible with Mano Bank

At Mano Bank, we're committed to turning your dream of owning a home into reality, even when other banks may not be able to help. Discover how our friendly home loan options can work for you.
Your Dream Home, Made Possible with Mano Bank
Fast and Simple Credit Solutions

Fast and Simple Credit Solutions

Value your time with Mano Bank. Receive an initial credit offer within just 24 hours. Straightforward, quick, and tailored to meet your needs.

Inclusive Income Evaluation for Your Financing Needs

At Mano Bank, we recognize and evaluate all forms of income, even those often overlooked by others. Whether it’s income from self-employment or other non-standard sources, we assess each situation individually to provide financing solutions tailored to your unique circumstances.

Inclusive Income Evaluation for Your Financing Needs

Mortgage loan calculator

Enter the price of the home to be purchased and the amount of the down payment, select the desired loan term and calculate the expected preliminary monthly payment.

Price of the asset to be purchased
Eur
Initial contribution
%
Amount of the initial contribution
Eur
Term
year
1 year
30 year
Interest rate
%
Fee for drafting the contract
680 Eur
Amount to be funded
68 000 Eur
Total amount paid during the period
133 617,49 Eur
Preliminary estimated monthly payment
443 Eur
For example, a loan in the amount of EUR 50,000 related to the mortgage of immovable property is granted for a period of 20 years, without deferred payments, at a 6% variable annual interest rate, with credit payments made by annuity method and paying: a one-time contract administration fee in the amount of 1% (EUR 500), a monthly administration fee (EUR 5), a payment order fee (EUR 2), mortgage registration fee (EUR 8.60). In this case, the annual rate of the total credit price would be 6.572%, and the total amount paid by the borrower would be EUR 88,290.57. Total number of credit instillments – 240, monthly instillment – EUR 365.75.

The annual rate of the total credit price, the total amount paid by the borrower, the total number of credit instillments and the amount of the instillment are calculated based on the assumptions that the credit agreement will be valid for a term equal to the duration of the credit agreement, the entire credit amount is paid on the date of signing of the agreement, the first instillment is determined one month following the signing of the credit agreement, the parties will duly fulfil all their obligations, the variable interest rate, the amount of fees and other costs will remain the same as at the time of the conclusion of the credit agreement, and will continue to apply until the expiration of the credit agreement.

In addition, the Borrower will incur costs for notary fees, property insurance and valuation costs, which depend on the individual characteristics of the mortgaged property, and are therefore, are not included in the total cost of the loan in the above example.

Important

Pricing
Mortgage Loans Secured by Real Estate
Credit agreement conclusion fee
1.00 % of credit amount, min 300 €
Credit agreement amendment fee:
In case the customer faces payment difficulties
100 €
In case of other reasons
From 0.50 % of credit amount, min 200 €
Change of loan monthly repayment date:
Once in a calendar year
Free of charge
As of the second and following change in one calendar year
30 €
Commitment fee:
In the case of loans for personal / household purposes
From 0.60% of undisbursed credit amount
In the case of loans for business purposes
From 1.00% of undisbursed credit amount
Real estate and/or other collateral inspectation by the bank
100 €
Valuation of real estate by the Bank:
Real estate of one property unit (apartment, premises, land)
50 €
Real estate of more than one property units (apartament/private house/premises/land with other belongings)
80 €
Movable property unit (office and/or household appliances, machines, equipment, vehicles)
20 €
The production or technological line of the movable property complex
80 €
Consent to subordinated pledge:
In the case of loans for personal / household purposes
Min 150 €
In the case of loans for business purposes
Min 250 €
Early repayment:
In the case of loans for personal / household purposes
Free of charge on the day of changing the variable interest rate; on other days, a compensation fee will be applicable as determined by legislation, not exceeding 3.00% of the repaid credit amount
In the case of loans for business purposes
1.00% of the repaid credit amount, min 200 €
Refinancing:
In the case of loans for personal / household purposes
Free of charge on the day of changing the variable interest rate; on other days, a compensation fee will be applicable as determined by legislation, not exceeding 3.00% of the repaid credit amount
In the case of loans for business purposes
1.00% of the repaid credit amount, min 300 €
Credit agreement maintenance
5 € / month
Other fees:
Issuance of any type of letters/consents
40 €
Sending a letter of default in the case of loans for business purposes
40 €
Release of mortgage/pledge
50 €
Interest on late payments:
In the case of loans for personal / household purposes
Max 0.05 % per day
In the case of loans for business purposes
0,10 % per day
Mortgage Loans Secured by Real Estate
Credit agreement conclusion fee
1.00 % of credit amount, min 300 €
Credit agreement amendment fee:
In case the customer faces payment difficulties
100 €
In case of other reasons
From 0.50 % of credit amount, min 200 €
Change of loan monthly repayment date:
Once in a calendar year
Free of charge
As of the second and following change in one calendar year
30 €
Commitment fee:
In the case of loans for personal / household purposes
From 0.60% of undisbursed credit amount
In the case of loans for business purposes
From 1.00% of undisbursed credit amount
Real estate and/or other collateral inspectation by the bank
100 €
Valuation of real estate by the Bank:
Real estate of one property unit (apartment, premises, land)
50 €
Real estate of more than one property units (apartament/private house/premises/land with other belongings)
80 €
Movable property unit (office and/or household appliances, machines, equipment, vehicles)
20 €
The production or technological line of the movable property complex
80 €
Consent to subordinated pledge:
In the case of loans for personal / household purposes
Min 150 €
in the case of loans for business purposes
Min 250 €
Early repayment:
In the case of loans for personal / household purposes
Free of charge on the day of changing the variable interest rate; on other days, a compensation fee will be applicable as determined by legislation, not exceeding 3.00% of the repaid credit amount
In the case of loans for business purposes
1.00% of the repaid credit amount, min 200 €
Refinancing:
In the case of loans for personal / household purposes
Free of charge on the day of changing the variable interest rate; on other days, a compensation fee will be applicable as determined by legislation, not exceeding 3.00% of the repaid credit amount
In the case of loans for business purposes
1.00% of the repaid credit amount, min 300 €
Credit agreement maintenance
5 € / month
Other fees:
Issuance of any type of letters/consents
40 €
Sending a letter of default in the case of loans for business purposes
40 €
Release of mortgage/pledge
50 €
Interest on late payments:
In the case of loans for personal / household purposes
Max 0.05 % per day
In the case of loans for business purposes
0,10 % per day

Your New Home in Just 5 Simple Steps

1

Fill out the loan request form online or give us a call to get started.

2

Await a call from us to discuss and receive your personalized loan offer.

3

Review and accept the loan offer tailored to your needs.

4

Sign the necessary documents at a notary office and register the pledge in the Mortgage Register.

5

Once the bank transfers the funds to the seller, you can start enjoying your new home!

More About Mortgage Loan

More About Mortgage Loan

  • Initial contribution – from 15 % of the value of the property being purchased.
  • Loan period – up to 30 years.
  • Interest rates are assessed on a case-by-case basis.
  • We finance up to 85 % of the value of the property to be purchased/constructed.
  • No fee is charged for repaying the loan before the due date on the date of interest conversion.

Frequently Asked Questions

What income should I have to qualify for a loan?
Do you provide loan to people working abroad?
Do I need a down payment to get a loan? What is the minimum down payment?

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