Obtaining a Bank Loan

A bank loan to purchase or finish a property may be obtained from all local Banks. The five main banks in Malta include HSBC Bank Malta plc., Bank of Valletta plc., APS bank, BNF and Lombard Bank all offer attractive Home Loan facilities to suit individual borrowers’ needs. It is wise to compare and contrast the packages that the different banks are offering you as this could save some expenses in the long run.

Home Loan facilities are Offered Under the Following Terms:

  • Up to 70 – 80% of the purchase price or completion of costs
  • Preferential interest rates especially for the first years and for high-value loans
  • Monthly repayments up to 30% of the gross income
  • Flexible loan repayment terms of up to 40 years
House of Money

The Banks Normally Require the Following Basic Documentation:

  • The most recent pay slips and FS3
  • Architect’s or Manager’s estimate of the property value
  • Character reference unless the customer is already an account holder
  • Photocopy of the ID card
  • Copy of the preliminary agreement

All Banks also offer Bridging Loan facilities and loans to purchase summer residences. Moreover, certain banks offer particular packages towards different clients, be they first time buyers or repeat buyers.

Through special arrangements which Frank Salt Real Estate Ltd has with all these Banks, we can make arrangements for the best loan package which suits your requirements and help to expedite the processing of the bank loan. We do our utmost to help the client throughout the entire process, before and after applying for the bank loan. Furthermore, we are always available for assistance or advice along the way.

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