Real estate — Mortgage
11 articlesHow a mortgage works, what the requirements, costs and instalments are. Practical tips for property buyers.
Guides in this category
Mortgage loan — what it is and how it works
What a mortgage is, how it works, main costs and key conditions, explained clearly.
Mortgage overpayment — is it worth it and how to do it
How mortgage overpayments work, when they pay off, how to calculate savings and what to check in the contract.
Mortgage interest rate — fixed vs variable and what it depends on
How mortgage rates work, fixed vs variable, and how they affect instalments and total cost.
Mortgage with no down payment — is it possible and on what terms
Can you get a mortgage without a down payment, what are the alternatives and risks, and how to prepare.
Mortgage instalment — how to calculate it and what it depends on
How to calculate a mortgage instalment, what affects it and how to compare repayment options.
Mortgage comparison — what to check and how to choose
How to compare mortgages: margin, APRC, fees, extra costs and contract terms in practice.
Mortgage refinancing — when it makes sense and how it works
What mortgage refinancing is, when it pays off, its costs and the step‑by‑step process.
Down payment for a mortgage – how much and how to document
How much down payment is needed for a mortgage, what counts, and which documents to prepare. Practical guidance and examples.
How loan payments work
Annuity vs decreasing. How bank calculates. Practical guide with examples and FAQ. Practical guide with examples and FAQ.
Payment holidays vs prepayment — what pays off
Payment holidays vs prepayment: impact on interest, instalment, loan term and liquidity.
Mortgage creditworthiness — how banks calculate it
Mortgage creditworthiness: income, costs, down payment and rate buffer.
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FAQ: Mortgage
Answers to the most common questions on this topic
Banks generally require a minimum of 20% down payment. Some accept 10%, but then require low-LTV insurance (LTV above 80%), which increases the total cost of the loan.
Banks analyse net income, employment tenure, existing liabilities and number of household members. Monthly instalment should not exceed about 40–50% of net income. A creditworthiness calculator gives an indicative result.
Yes, if the rate is variable and better investment options are unavailable. Overpaying shortens the repayment period or lowers the instalment, reducing total interest paid. Check whether the bank charges an early repayment fee.
A payment holiday temporarily suspends repayments. Terms depend on the bank and applicable regulations — sometimes available by statute. Deferred instalments increase the total loan cost.
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