A loan of two parts

The mortgage can be divided in two parts: construction credit and mortgage. Construction credit is a temporary financial solution to cover the expenses connected to the process of building the house. You pay a fixed one-off cost and interest for the amount you have used. It is good to know that the construction credit is free of amortization during the building period. When the house is fully built and has been inspected, the bank converts the construction credit into a mortgage.

How to afford a house

Building a new house is a big investment and it can be considered as one of the life’s biggest decisions. Optimea Hus will support every step and make it as seamless and easy as possible.

To get a loan from the bank, a cash element is required. The amount depends on every person’s situation. A higher cash contribution results in a smaller loan, which also means lower interest costs.

Contribution of cash

Cost calculation and Mortgage

There are many aspects that should be included in the calculation of building a new house and what the monthly cost will be. Aside from the cost for the house model you select, the price will also include the cost of the land, the options you add, municipal fees, price for building permit, etc.