Kapital Bank offers mortgage loans on favourable terms for anyone who wants to become a houseowner. Interest rates start from 8% per annum for Domestic and State Mortgages , 6% for Social Mortgages in Regions for the population living in the regions, and 4% for MIDA Mortgages provided to the persons with the right to buy apartments on preferential terms. You can use the online mortgage calculator to calculate annual interest rates. To do this, just enter the cost of the apartment, the term of the mortgage, the amount of the initial payment in the appropriate boxes.