Real estate loan
You can apply for a real estate loan if you're buying an apartment that isn't approved for residential use, a recreational property, or a summer house.
You can apply for a real estate loan if you're buying an apartment that isn't approved for residential use, a recreational property, or a summer house.
Fasteignalán er lán veitt með veði í fasteign ef umsóknin eða veðið uppfyllir ekki kröfur íbúðalána. Hámarkslánstími er 15 til 30 ár og fer eftir veðtegund.
Hámarksveðhlutfall getur verið allt að 80% af markaðsvirði eignar. Hámarksveðhlutfall fer eftir tegund húsnæðis sem er verið að fjármagna.
Ef sótt er um fasteignalán umfram 70 m.kr. þá er hámarksveðhlutfall 70%, nema í tilfelli ósamþykktra íbúða en þá er hámarksveðhlutfall 60%.
Miðað er við kauptilboð við nýkaup en fasteignamat við endurfjármögnun.
Þú getur sótt um með því að senda póst á ibudalan@arionbanki.is eða bókað tíma í íbúðalánaráðgjöf.
Lánið er óverðtryggt og ber breytilega vexti sem taka mið af veðhlutfalli.
Ekkert uppgreiðslugjald er á láninu.
Lánið er veitt gegn veði í fasteign á Íslandi.
Lántökugjald og önnur gjöld eru samkvæmt verðskrá bankans.
ISK
ISK
years
—
The example assumes that interest rates and costs according to the list of fees and charges remain unchanged for the duration of the loan. Changes in interest rates or costs may lead to an increase or decrease in the total amount to be paid.
| Loan amount | 40.000.000 ISK |
| Interest | 12,35% |
| Loan period | 30 years |
| Prepayment fee | No |
| Annual percentage rate | 0,00% |
| Total cost | 0 ISK |
| Disbursed amount | 0 ISK |
| Total repayment | 0 ISK |
| Loan fee | 64.995 ISK |
| Registration fee | 4.995 ISK |
| Fee per payment | 130 ISK |
| Service fee | 9.995 ISK |
Choosing the right mortgage is a major decision that affects your household finances for many years. Therefore, it's important to understand how the choice of loan term and type can change both the payment burden and total cost. Whether the loan is indexed or non-indexed, and how long the loan term is, can have significant effects on payment burden and equity building.
After checking your payment capacity and securing a down payment, it's time to find your dream property. This process can take varying amounts of time, but it's important to choose carefully and find a property that has most of the features you're looking for.
Most people have very clear ideas about what kind of apartment they're looking for and what requirements it needs to meet, but it's good to keep in mind that you may not find an apartment that fulfills all your wishes. When buying your first property, you often need to prioritize features and choose the property that checks the most boxes if you can't find one at the right price that meets all your criteria.
When taking out a new loan, the repayment period can be crucial. The maximum loan term varies, but the longest loans are for real estate purchases, which can extend up to 40 years.
It is difficult to determine whether renting or buying is right for you, and this is mainly guided by your financial situation and financial goals. You should calculate both options thoroughly before making a decision. If you are considering purchasing property, there are several important factors you should familiarize yourself with and be clear about before you begin the process.