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Housing loans

Housing loan is a temporary provision of the funds by creditor to the consumer under a housing loan agreement, to be repaid at a later date agreed therein, in the form of a deferred payment, loan, credit or other similar financial assistance, which is:

  1. secured by a security interest established in any real property, including property under construction, or secured by a right related to such property;
  2. earmarked for the acquisition of an ownership right to residential property, by acquiring or retaining an ownership right to land or to existing residential property or residential property under construction, irrespective of the subject of the security interest or other security right, or
  3. earmarked for the repayment of a housing loan.