To obtain a mortgage, a company must meet certain requirements. The key conditions are:

1. Property as Collateral
   The property serves as the primary collateral for the mortgage. It will be evaluated, and in general, the mortgage must not exceed 80% of the loan-to-value ratio.

2. Equity
   At least 20% of the purchase price or investment amount must be covered by the company's own funds.

3. Financial Affordability
   The company must demonstrate that it can sustainably cover the mortgage costs (interest, amortization, and additional expenses).

4. Creditworthiness of the Company
   Good creditworthiness is essential. The bank typically requires:

• Annual financial statements for the last 2 years.
• Tax declarations and proof of income.
• A current debt enforcement record.

5. Purpose of the Mortgage
   The purpose of the mortgage must be clearly defined, such as for purchasing, constructing, renovating, or refinancing a property.

6. Complete Documentation
   The following documents are generally required:

• Land register extract and building insurance certificate.
• Plans and photos of the property.
• For construction financing: construction plans and cost estimates.