Home Loan

Buy Your Main Residence or Invest

Whether you want to buy your first home, build a house, or invest in rental property, CeSA BANK supports you with tailored solutions.

Up to €500,000

Finance your entire property project

Term up to 25 years

Monthly payments tailored to your budget

Rates starting from 3.2%

Competitive rates depending on your down payment

Flexible loan

Option to adjust payments

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Our Mortgage Rates

Advantageous conditions depending on your loan term

10 - 15 years

3.2%

Fixed APR

15 - 20 years

3.5%

Fixed APR

20 - 25 years

3.8%

Fixed APR

* Fixed APR excluding insurance. Offer subject to conditions.

Your Home Loan in 4 Simple Steps

We guide you from the first simulation to receiving the keys – fully transparent.

From simulation to key handover: a smooth and secure journey

Simulate Your Borrowing Capacity

In 2 minutes, discover your real budget, possible monthly payments, and suitable term. Our simulator takes into account your down payment, income, and current expenses.

Prepare and Submit Your Application

Your dedicated advisor guides you document by document. We use electronic signature to save time and simplify the process.

Receive Your Personalized Loan Offer

Clear, compliant offer valid for 30 days. Legal 10-day cooling-off period before acceptance.

Signing at the Notary & Fund Release

Funds are available on the day of signing. We stay by your side until you receive the keys.

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Frequently Asked Questions

Answers to the most common questions about our home loans

What is the minimum down payment required?

We finance up to 110% of the project (including notary fees) for first-time buyers under income and property conditions. For rental investment, a down payment of 10–20% is usually required.

Can notary fees be included in the loan?

Yes, in most cases we include acquisition costs (notary + mortgage registration) in the total borrowed amount, which significantly reduces the required down payment.

Do you offer zero-interest loans or government-backed schemes?

Yes, we offer government-backed schemes (PTZ equivalent or regional aids) in eligible areas (new build and major renovation of existing property). Contact us to check your eligibility.

What happens in case of early repayment or sale?

Our loans include an early repayment indemnity (ERI) capped at 3% of remaining capital or 6 months of interest. It is often waived in cases of death, unemployment, professional relocation, etc.