Housing loans

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.