HMS Temporary credit rating , calculates your payment ability and what your maximum buying capacity is. You also need to meet the payment burden ratio of the Central bank of Iceland.
You can use the Aurbjörg website to see which loans are available on the market and you can compare them with our HMS Loan calculator to see which loan is best for you.
HMS Home loan
Property value (Fasteignamat) has to be under ISK 73 million.
The total loan amount per property can be a maximum of ISK 44 million.
A loan can be up to 80% of the property´s price or its market value (the lower amount applies).
Service provider
Housing & Construction Authority