If you are buying a new property, you can apply for a loan transfer and transfer the loan over to the new property. This way, you keep the same terms with no additional borrowing costs.

If you are buying an apartment that has an ongoing loan from HMS, you have the option to take over the loan.
In the event of a divorce or a breakup, you can take over the former spouse’s part in a loan. Also, if you are buying into a home that another person already owns, for example a new spouse, you can become co-owner and take over part of the existing housing loan.

You can apply for a partial mortgage release if you wish to divide the property for which you received a loan from HMS. Then part of the property is freed from the mortgage while you keep the loan.

You can apply for the approval of the sale of a production quota at HMS. HMS must approve the sale as it affects the value of a property HMS has granted a loan for.

If you want to change address on payment slip, cancel the home delivery of payment slips, change the recipient of payment slips, cancel payment detainment or change the number of due dates per year.

If you have a HMS loan that is not due on the 1st of each month (for example the 15.) you can change the payment date to the 1st of each month.

If you wish to pay your housing loan faster, you can either make extra instalments into the principal amount each month, or shorten the loan period. With a shorter loan period your monthly instalments will increase and the asset formation will be faster.

A permit for mortgage is a permission from HMS to move a loan from another credit institution ahead of our loan in the mortgage order. This may be necessary for example when refinancing an outstanding loan or acquiring an additional loan.