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What is a mortgage?

A mortgage is an agreement between you and a lender that gives the lender the right to take your property if you fail to repay the money you’ve borrowed plus interest.

First of all, you should be clear on the fact that the mortgage loan is a medium/long-term loan, which generally lasts from 5 to 30 years. The customer usually receives the entire amount in a single lump sum and repays it over time in monthly installments, which are either the same every month or which may vary according to market rates. Mortgages are used to buy, build or renovate a property, often a house or apartment.

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