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What is a mortgage loan?
A mortgage loan is a type of loan used to purchase or maintain a home, land, or other real estate property. The borrower agrees to repay the lender over time, usually through a series of regular payments divided into principal and interest. The property then serves as collateral to secure the loan. The borrower must apply for a mortgage with a preferred lender and ensure they meet certain requirements, including a minimum credit score and a down payment.
Get expert guidance from our team on mortgage loans.
Try our online mortgage loan comparison tool to discover the offers you qualify for, with consultancy and assistance throughout the entire process.
Find your offerWhat is a personal loan?
A personal loan is an unsecured loan that you can use for almost any purpose — debt consolidation, unexpected expenses, travel, or major purchases. You repay it through fixed monthly installments over a set period, including both principal and interest. Approval usually depends on your income stability, credit history, and existing debt levels. Since it is unsecured, interest rates may be higher than those of secured loans.
Find the personal loan that suits you
Start with our Personal Loan Comparator — it’s fast and shows you:
· How much you can borrow
· Estimated monthly payments and total cost
· Offers you may qualify for
· Early repayment options and any fees
What you need: ID document, proof of income (salary certificate or bank statements), and address details. Using the comparator does not obligate you to apply for a loan.
What is a consumer loan?
A consumer loan (installment loan) is designed for a specific purchase — such as home appliances, electronics, furniture, or services. The amounts are usually smaller and the terms shorter than personal loans, with fixed monthly payments. Approval is often fast, and partner retailers may offer promotional interest rates (e.g., limited 0% periods). A quote from the seller may be required.
Finance a purchase
Use our Consumer Loan Comparator to compare offers for your specific purchase:
· Initial costs and monthly installments
· Promotional interest periods (e.g., 0% for 6–12 months)
· Required documents and typical approval time
· Early repayment rules and fees
Tip: Compare the total cost, not just the monthly payment, and choose the shortest term you can comfortably afford.
Credit score: what it is and why it is important
A credit score is an indicator used by lenders to assess how trustworthy a person is when it comes to taking and repaying loans. It is calculated based on your borrowing and payment history, recorded in the National Credit Registry, and is used by lenders to evaluate the risk of granting credit.
- New to credit? You start neutral.
- Good repayment history? Your score increases — allowing you to access larger amounts and better interest rates.
- Late or missed payments? Your score decreases, making borrowing more difficult or more expensive.
- Number of credit cards: Even without penalties, late payments on your card can harm your credit history.
- Multiple simultaneous applications can also negatively affect your profile — compare wisely.
