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Housing Loans - ProHousing

Housing loans are medium or long term loans offered to individuals with salary incomes or business incomes.

Purpose
A Housing loan is used to purchase or construct a new residential house or apartment. For these loans a mortgage is required as collateral regardless of the loan amount.

Maturity
Housing loan maturity is up to 180 months.

Guarantee
The Housing loan guarantee must be 150% of the loan amount and the mortgage value must not be less then 110% of the loan amount.

Advantages

  • Up to 90% of the apartment value can be financed;
  • No hidden costs;
  • Fast and non-bureaucratic procedures

How to apply for housing loan?

  • Come in person to the nearest branch of ProCredit Bank;
  • Complete the application for ProShtėpi for the amount you need;
  • The loan officer will analyse your financial situation; 
  • The money can be made available within 5 days.

The necessary documents:

  • A valid identification document;
  • Salary statement or legal documents for the business;
  • Mortgage guarantee documents;
  • A sale contract or booking contract for the apartment to be purchased; or land ownership documents as well as an estimate of construction works, where applicable.