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Obtaining a Bank Loan in Malta

Loans to purchase or finish a property may be obtained from all local Banks. HSBC Bank Malta plc., Bank of Valletta plc., APS Bank Ltd and Banif Bank offer attractive Home Loan facilities to suit individual borrowers’ needs.

Home Loan facilities are being offered under the following terms:

  • Up to 90% of purchase price or completion 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

The Banks normally require the following basic documentation to enable them to process the loan smoothly and efficiently:

  • Recent pay slip and FS3
  • Architect’s/Manager’s estimate of the property value
  • Character reference unless customer is already an account holder
  • Photocopy of ID card
  • Copy of the preliminary agreement

All Banks also offer Bridging Loan facilities and loans to purchase summer residences.

Through special arrangements which Frank Salt Real Estate 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 loan.

Contact us for more information