Locuințe care nu se pot cumpăra prin credit ipotecar. Ce condiții au băncile pentru a acorda banii

Banks impose strict rules for mortgage loans, requiring guarantees and insurance to protect their investments. Certain properties, such as those with seismic risk or made of wood, are excluded. Minimum conditions for approval include age, stable income, and a down payment. Insurance policies are mandatory to safeguard the loan, and an energy certificate can influence interest rates.