Creditworthiness – what is it and how can it be improved?
Creditworthiness is a set of factors that banks analyze when granting a loan. Such analysis is done on the basis…
The importance of a mortgage expert in the mortgage application process
A mortgage expert is a person who guides us through the entire process involved in selecting offers and getting a…
Mortgage – the most important information
What is a mortgage loan? A mortgage is a type of loan that a bank provides for the purchase or…
A reduction of the buffer in the creditworthiness assessment
More banks are deciding to reduce the buffer when examining creditworthiness. This is good news for customers applying for a…
Mortgage overpayment (part ⅓)
Buying your own apartment is a dream come true for many people. However, in order to realize it, it is…
What is the APR and how does it affect the cost of a loan?
The APR, or Actual Annual Percentage Rate of Interest, is defined by the Consumer Credit Act of May 12, 2011….
Mortgage refinancing
Mortgage refinancing is a process in which a borrowers takes out a new loan to pay off the one they…
What makes up the cost of a mortgage loan?
The total cost of a mortgage depends on many components. The largest part of the loan costs is, of course,…
The role of the mortgage broker
At the beginning, it is worth noting that cooperation with a mortgage broker is free of charge. Thanks to it…
What factors affect the value of real estate?
Real estate is an investment that usually increases in value over time. However, the value of real estate can change…
DTI ratio
The Debt to Income (DTI) ratio is an indicator that measures the ratio of all the borrower’s financial liabilities to…
Mortgage loan and business activity
Wanting to take out a loan while running a business, it is worth knowing that banks calculate creditworthiness differently for…
The process of buying real estate in Poland
Buying a property is one of the most important and biggest financial decisions you will make in your life. In…
How does inflation affect the mortgage market?
Inflation is an increase in the overall price level in the economy. It is a phenomenon that affects many aspects…
Can an expat take out a loan for an apartment in Poland?
Poland has been drawing more and more foreigners to Poland for some time now. Just as Poles are emigrating to…
