Chase Your Dreams Without Financial Barriers

Transform your ambitious ideas and wishes into reality with a flexible loan against immovable property from Mano Bank. We're here to ensure that money is not an obstacle on your path to success.
Chase Your Dreams Without Financial Barriers

Collateral loan calculator

Enter the market value of the mortgaged property and the share of own funds, select the desired loan term and calculate the expected preliminary monthly payment.

Value of the pledged assets
Eur
How much you want to borrow
%
 
Eur
Term
year
1 year
30 year
Interest rate
%
Fee for drafting the contract
240 Eur
Amount to be funded
24 000 Eur
Total amount paid during the period
29 998,60 Eur
Preliminary estimated monthly payment
248 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.
Freedom to Utilize Your Loan As You Wish

Freedom to Utilize Your Loan As You Wish

With Mano Bank, the power to use your loan exactly where it’s needed most lies in your hands. Whether it’s for personal or business purposes, you have the complete freedom to decide how to employ your loan – no restrictions, no need to compromise on the costs.

Equal Consideration for All Income Sources

At Mano Bank, we view all income equally, without dividing it into ‘eligible’ and ‘ineligible’ categories. Whether your earnings come from self-employment activities or under a business license, we provide financing solutions that acknowledge and respect every source of your income.

Equal Consideration for All Income Sources
Realize Your Dreams, Regardless of Your Location

Realize Your Dreams, Regardless of Your Location

At Mano Bank, your geographical location is no barrier to implementing your plans. We recognize and evaluate income earned abroad, ensuring that living overseas doesn’t hinder your ability to bring your aspirations to life.

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

Realize Your Idea in Just 5 Simple Steps

1

Begin by filling out the loan request form online or give us a call.

2

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

3

Conveniently sign the loan agreement online or visit a bank branch.

4

Complete the process by signing necessary documents at a notary office and registering the pledge in the Mortgage Register.

5

Once the bank transfers the funds, they are yours to use as you see fit.
Embark on your journey with us today!

More About Collteral Loan

More About Collteral Loan

  • 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 pledged property.
  • We finance non-standard projects.

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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