Inflation-indexed housing mortgage

Inflation-indexed housing mortgage

Inflation-indexed housing mortgages are loans that are indexed to price development, meaning that the loan increases in an inflation environment. Instalments on indexed loans are lower in the beginning, with slower asset formation than non-indexed loans.

Indexed interest rates
Our inflation-indexed housing mortgages carry either a variable or fixed rate of interest.
Variable interest rate
Fixed interest rate

How do inflation-indexed housing mortgages work?

Your debt service is lower in the beginning but asset formation is slower than with a non-indexed loan.
Interest is lower but indexation accrues to the principal.
The term of inflation-indexed housing mortgages can be 5 to 25 years.
The loan can cover up to 70% of the purchase price and up to 80% with a non-indexed supplementary loan.
Borrowers can choose between a variable rate or a 5-year floating rate period.
The loan can carry either equal instalments or equal periodic payments.

Want a mixed loan, both non-indexed and indexed?

By selecting a mixed housing mortgage, you combine the qualities of both inflation-indexed and non-indexed loan forms. You can have part of your housing mortgage inflation-indexed and part non-indexed, selecting the proportions that best suit your needs. Use the calculator to compare inflation-indexed, non-indexed and mixed housing mortgage.

What is the difference between a fixed and variable interest rate?

Variable rates can increase and decrease in line with market fluctuations and the economic environment, based on the current interest rate tariff at each time. This may be favourable or not, depending on how the rates fluctuate.

With fixed rates, you tie your rates for a specified period and hedge against interest rate fluctuations. Rates can be fixed for a period of 60 months. If the loan-to-value ratio is lower than 60% of registered real estate value, you pay lower interest. Fixed interest is even lower if the loan-to-value ratio is below 50% of registered real estate value. Fixed-rate loans carry a pre-payment charge.

Variable interest rate

Up to 70% mortgage %interest141%

Fixed interest rate

60-month fixed rate period
Up to 50% based on real estate value %interest1127%
Up to 60% based on real estate value %interest1188%
Up to 70% mortgage %interest446%


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