A mortgage is an offer for people who are looking for a non-bank mortgage loan offer, in other words, debt is accepted in BIK databases as well as bailiff’s activities.
Not only banks specialize in granting loans against real estate, but also more and more companies from the non-banking sector (not to be confused with parabanks) are interested in entering this market. I wrote my time about the Crown Fund, today a company with a similar profile because it also specializes in non-bank mortgage loans – the Mortgage.
At the very beginning, a few words about the company itself – Hypocredit is a company registered in Krakow. The company commenced operations in 2014 and, as we can read in the KRS database, the main activity of the company is granting loans. At this point, I can specify that as of today, the company specializes only in providing non-bank loans for mortgages, ie loans that are secured by real estate. The company makes it possible to obtain high amounts of loans only to people who own property in the form of business premises, a building plot, a house or a flat. The payout time is usually 2 business days and the loan transfer takes place directly to the customer’s bank account.
Even this is what we can get as part of the offer of the Mortgage loan. However, the repayment period is relatively short because it can be 6, 12 or 18 months, with the possibility of extending up to 5 years. However, you must know that the longer the repayment period we decide, the more we will have to incur higher loan costs. It all depends, of course, on our individual loan repayment options, but the choice of the shortest repayment period will undoubtedly be the most advantageous for us. The amount of the loan depends mainly on the value of our real estate, in the amount not exceeding 50% of its value.
Although the company’s headquarters is in Krakow, it is possible to settle the formalities related to obtaining a loan throughout Poland. The company has its advisers in every major town, so in order to get the formalities in, we will not have to travel across Poland if, for example, we come from Pomerania. The offer is addressed both to individuals and companies that have headquarters or real estate in the following cities: Warsaw, Krakow, Wroclaw, Poznan, Gdansk, Sopot, Gdynia, Olsztyn, Torun, Rzeszów, Gliwice, Zakopane, Tychy, Bielsko-Biała, Szczecin, Lublin, Białystok, Katowice, Częstochowa, Sosnowiec, Kielce, Zabrze, Opole, Bydgoszcz, Zielona Góra or Łódź.
As I read on their website, the company provides help in various difficult situations also for people who have a negative history in databases and even in the case of bailiffs’ classes. Documents that are required to obtain a mortgage loan are the number of the land and mortgage register, the act of acquiring the real estate (decrease / contract of sale and purchase / donation agreement / other) and photographs of the real estate. No income certificates are required to obtain a loan.
Prejudice your questions regarding real estate rights, which is collateral for the loan. After signing the contract with the Loan, you will still own the property and you will have the right to use it as before. The real estate will be a collateral for the loan, i.e. it could become the property of the loan company only if the person who takes out the loan would not pay its liabilities, ie not repay the loan installments.
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