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HomepageMortgage loans – Guide for Borrowers​


Guide for Borrowers

1. Choose trusted Lenders

When looking for a loan, choose entities that operate transparently and in accordance with the law. It is best to choose Lenders who are listed in the appropriate registers of the Financial Supervision Authority (FSA)

2. Carefully read the content of the Agreement

Never sign any documents without carefully reading their content, especially when you do not understand their individual provisions. If the Agreement is unclear, clarify this issue with a financial advisor or use the services of a legal advisor.


If the other party did not provide you with a draft Agreement in advance or avoids answering your questions, withdraw from signing the Agreement.

3. Give yourself time

Do not make decisions hastily, and when you want to sign the Agreement, give yourself enough time to analyse it. Never act under time pressure.


If the lender or intermediary try to put time pressure on you, be extra cautious. If you are unsure, withdraw from signing the Agreement.

4. Know your rights!

Remember, as a Consumer, you have the right to:

  • receive an information form,
  • receive a draft Agreement,
  • request a justification for refusing a loan (negative creditworthiness assessment),
  • obtain explanations of all provisions of the Agreement.

5. Plan your budget well

When taking out a loan, you must properly plan your budget to be able to repay your obligations on time. This is very important to avoid falling into a debt spiral.

6. Do not overestimate your capabilities

Rationally estimate your current and future income. A common reason for falling into a debt spiral is overestimating one's future repayment capabilities, for example, by assuming that income will significantly increase.

7. Use loans only when necessary

Avoid taking out loans for unnecessary things like a luxury car or other expensive consumer goods. Credit products can be an excellent solution, provided they are spent wisely.

8. Keep track of deadlines

Check in the Loan Agreement which day is considered the repayment day of the instalment. Usually, it is the day of crediting the funds to the Lender's account. This matters when you repay the instalments by transfer, and you have a bank account in a different bank than the one granting you the loan. It is worth planning to send the transfer a few days before the due date of individual payments to avoid inconvenience and unnecessary costs.

9. Always provide correct contact details and keep them up to date in the future

It is very important that data is up-to-date, especially if the funds were incorrectly booked or other problems with Loan handling occurred. In such situations, it will be faster to clarify the facts and avoid trouble.

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