English speaking credit broker in Cracow
Easy way to your own apartment
My name is Jakub Nowakowski and I am a credit broker and CEO of Check Broker. I specialize in mortgage loans. If you are looking for mortgage broker in Cracow, you are in right place. I started to work in finance sector in 2005, and in 2008 I made first mortgage. Thru 10 years of my work I serviced about 500 clients. That means about 500 people bought more than 500 houses and apartments with my help. Why do I say more than 500? Because some clients returned to make another purchase with me. That always makes me smile. I like help people, solve problems and educate about mortgage. Mortgage is long term credit, so I want to be sure that you understand everything about it. As you can see my English is not perfect, but I learn with every meeting with English speaking client, and terms about mortgage are no secret to me.
You are still reading. Great! Basicly mortgage is a credit secured on the house or apartment. That means You are the owner, but there is information in the book of property, that bank gave you credit for purchasing house or apartment.
Mortgage is long time credit. Of course You can take mortgage for 1 year, but mothly payment will be rather high. Most clients take mortgage for 15 to 30 years. That doesn't mean that you have to pay mortgage for 15 to 30 years. You can pay off mortgage any time, but some banks have an extra fee for this.
For most clients monthly payment is most important thing. But it is not so simple. Real cost of mortgage is a different thing. To caclulate cost of mortgage properly you have to check cost of life insurance, "bridge" insurance, property valuation, commission, additional products ect. Not always mortgage with lowest monthly payment is the cheapest option. Even time of paying off the mortgage is important if you plan to do that. Most banks will try to sell extra products like bank account, credit card or even some investments. You have to know that some banks have more than 20 mortgage offers.
If you want to buy apartment or house in Cracow, you have to have minimum 10-20% value of the property in cash. That is polish law. If you don't have 20% some banks will sell you extra insurance. Of course there are other costs like tax or fee to real estate agency.
With mortgage you can buy house, apartment, land, or you can borrow money to finish new house or apartment.
Processing mortgage application takes time. Whole process takes 4 - 6 weeks.
1. We meet and discuss about your current financial situation and what you want to buy.
2. On first meeting I am making calulation how much mortgage you can get and what are current best bank offers in your situation.
3. You get full list of documets needed to apply for mortgage'
4. I'm sending compleete applications to banks. You don't have to visit any bank.
5. After credit decissions we calculate again what is best offer for you.
6. You get credit agreement from me, and I'm explaining
How do I Work?
1. We meet (we can do I it on-line) and discuss about your current financial situation, and what you would like to buy.
2. I am calculating how much mortgage you can take, and I am show you best bank offers for you.
3. After we choose 3 best offers you get full list of documents needed to apply for mortgage.
4. Compleeting documents is my next step.
5. Then I am sending compleete applications to banks. You don't have to visit any bank at this step.
6. Positive credit decisions must be analized as well.
7. You get draft of credit agreement from me or directly from bank and we discuss it point by point so in the day of signing proper credit agreement you are 100% aware client.
8. I help you to run your mortgage.
9. If you need help or have any questions with your mortgage in future I am always at your service.
My service is free of charge!
The data administrator can be contacted in writing at the address of the Data Administrator, or by email at email@example.com The data administrator has appointed a data protection officer, Jakub Nowakowski, to whom you can contact by email at firstname.lastname@example.org or in writing to the data administrator correspondence address.
You can contact the data protection officer on all matters regarding the processing of personal data and the use of data processing rights.
The data administrator informs you that you have the right to:
-access to personal data;
-the right to demand their rectification,
-delete your personal data;
-to the extent that the basis for the processing of your personal data is the premise of a legally legitimate interest, you have the right to object to the processing of your personal data.
Your personal data may be processed for the following purposes:
in order to conclude and execute the contract for financial intermediation and real estate brokerage contracts with the Data Controller - the basis for processing is the contract concluded with you;
in order to answer your inquiries via the contact form at www.chceckbroker.pl and www.cracowcreditbroker.pl, e-mail, mail and telephone inquiries; for analytical and statistical purposes - the legal basis for data processing is the necessity of processing to implement the legitimate interest of the Data Administrator; fulfill legal obligations related to counteracting money laundering and financing of terrorism; fulfill other legal obligations. Your personal data will be stored: in the scope of financial agency and real estate brokerage contracts, personal data will be stored until the limitation period for claims under the agency agreement or equal period of storage of documentation related to the contract of financial intermediation and real estate brokerage contracts in accordance with the requirements of generally applicable law - in depending on which period is longer; in terms of making contact by the Administrator at your request, that is after contact with you by e-mail, contact form on the website, by phone, by post or in person - for a period consistent with the dates indicated in generally applicable laws. Your personal data may be transferred to entities that process personal data at the request of the Data Administrator IT service providers, BiK, companies providing archiving services, where such entities process data on the basis of an agreement with the data controller and only in accordance with the administrator's instructions. Your personal data may also be shared with other entities, eg Developers, but only if you obtain your permission for such disclosure. You can contact us at any time with a request for information regarding entities to whom we have provided data based on your consent. Your personal data may be obtained directly from you (during a visit to the branch, via the forms on the website, by phone, in writing).Your personal data may be transferred to entities that process personal data at the request of the Data Administrator IT service providers, BiK, companies providing archiving services, where such entities process data on the basis of an agreement with the data controller and only in accordance with the administrator's instructions. Your personal data may also be shared with other entities, eg Developers, but only if you obtain your permission for such disclosure. You can contact us at any time with a request for information regarding entities to whom we have provided data based on your consent.
Your personal data may be obtained directly from you (during a visit to the branch, via the forms on the website, by phone, in writing)
Providing personal data in connection with the concluded financial agency and property brokerage agreements is voluntary, but necessary for its conclusion and execution.
On the basis of the data provided by you, including personal data, we can prepare offers tailored to your needs.
You have the right to complain to the office of personal data protection (in Poland UODO - Urząd Ochrony Danych Osobowych)