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Mortgage credit in 2026 basically stays the same as previous years - you get a loan from the bank to buy a property and pay it back with interest over many years. What changes is the interest rate, which depends on the economic situation at the time, so it's good to compare what different banks are offering to find the best one for your situation.
What nobody mentions is that by 2026 the guarantees and income verification requirements have become much more stringent than they were a few years ago! Banks practically require you to prove financial stability in an almost surgical manner, and the spreads that each institution adds to the reference rate vary quite a bit from bank to bank - it's really worth comparing several offers before accepting anything.
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