Shortcut to a new home
We challenge the traditional housing company mortgage
It's the biggest investment decision you are likely to make, so you'd better have a smart financing solution.
Created with Finnish banks, N&B Mortgage offers a financial solution that is safer, more flexbile and cheaper than a traditional housing company mortgage.
It's the biggest investment decision you are likely to make, so you'd better have a smart financing solution.
At the time of closing the deal, you only need to pay the down payment that you agree with N&B partner bank, starting from 15% of the free-of-debt price. The final down payment amount is decided by the bank based on their consideration. If you are buying your first apartment, it is possible to get a down payment amount as low as 10%.
N&B Mortgage offers these benefits when compared to a traditional housing company mortgage:
A housing company mortgage is a traditional method that has been used to make buying a new home more accessible. However, there are downsides to it. Margins for such loans are typically more expensive than personal loans. This can be seen in more expensive housing company fees. In addition, the buyer of the home, as a shareholder, is also responsible for the loans of other partners if things get tough. With the rise in interest rates, these risks are back on the table. There is no housing company loan in new N&B properties, so each shareholder is only responsible for their own loan.
We are partnering with Aktia and Handelsbanken for N&B Finance. Aktia works as a partner in Lehtisaari Terassi and Meander. Handelsbanken is 76&Piha's financing partner.
Have you set your sight on a certain N&B home? Do you want to find out what kind of loan you would be eligible for? Request a preliminary quote from the bank using the form below.
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