About mortgage loans at HMS
The loans are annuity loans and can be indexed or non-indexed.
We provide non-indexed loans with fixed interest rates for 3 years at a time and indexed loans with fixed interest rates for 5 years at a time. It is also possible to get a loan with a fixed interest rate for the duration of the loan.
Loans are only granted for apartments intended for personal use. It is not allowed to own more than one apartment with a loan from the Housing and Construction Authority, unless special circumstances apply, for example due to employment or family circumstances.