Meeting your financing needs!
If you are in the market for a home, wish to refinance your present home or are interested in repairing your dwelling, consider applying for a mortgage loan with DMC. DMC offers customized housing loans for a wide variety of customer needs and circumstances. We realize that buying a home is one of the most important investments you can make. Therefore, we will be happy to find competitive rates and terms that meet your requirements.
Major advantages of DMC’s housing loan
- Low monthly payments
- Variable interest rate loans in euros
- We pay attention to all customers equally; each customer gets his or her personal customer manager
Proficiency in the field – we are highly specialized in providing housing loans
Customized housing loans
You are probably familiar with traditional mortgage approach where borrower has little influence on loan terms. DMC exclusive Buy-up and Buy-down approach is different placing you in charge of your own loan. By adjusting the interest rate, our clients can set the amount of down-payment, choose the size of the monthly payment and decide on the mortgage period. This approach allows to create truly customized, affordable and accessible housing loans for everyone.
Applying for a loan from DMC is easy and fast for everyone. Trust our experts and make the right long-term choice!
Loan application process
Knowing that you have chosen the most appropriate housing loan from among those offered on the market is as important as finding a suitable home for your family. When deciding upon a housing loan, a mere comparison of interest rates is not enough – the housing loan that takes into account your family’s needs and future plans ensures long-term satisfaction.
Take a minute to familiarize yourself with the loan origination process.
|Purpose:||purchase, building, repairs or refinancing of housing|
|Maximum Loan to Value:||up to 90% of value for simple purchase of newly built property|
|Down-payment:||the applicant must contribute at least 10% of the purchase price or appraised value for a simple purchase of a residential property|
|Maturity:||up to 30 years|
|Eligible properties:||Primary residence or second home/vacation home or investment property|
|Maximum loan burden/Debt to income ratio (DIT):||~40%+ of the monthly net income of the family (in compliance with the legal requirements)|
|Interest rate:||Variable 6 and 12 month adjustable with a defined initial fixed term (up to 5 years) annuity or calculated on a daily simple interest basis with a five day grace period.|
|Employment:||employed and self-employed|
|Minimum/maximums loan amount:||EUR 20,000/EUR 500,000|