Credit and financial information

1. Information, not a credit offer

PlusHouse's mortgage and affordability tools provide mathematical illustrations. The current tools do not submit a bank application, consult the credit registry, approve a loan, reserve an interest rate or verify your income. PlusHouse does not act as a lender, guarantor or escrow provider through these tools. Obtain a personalized offer and required disclosures directly from an appropriately licensed financial institution.

2. Assumptions and excluded costs

A typical calculation assumes a constant annual rate, monthly installments, a stated principal and term. Rates, down payment and income inputs may be user assumptions rather than actual bank terms. Unless expressly included, results omit arrangement and account fees, effective annual cost, insurance, valuation, notarial and registration costs, taxes, exchange-rate effects and variable-rate changes. Estimates and market comparisons are not a professional valuation or a guarantee of future price, rent or affordability.

3. Independent lender and borrower responsibilities

The lender determines eligibility, checks, rate, security, fees, repayment schedule, disclosures and the final agreement. You must verify the provider, compare the full cost and understand the consequences of non-payment. An agency must not claim guaranteed approval, conceal referral compensation or offer regulated credit services without the required authorization. Check the competent regulator's licensed institution register, including the Central Bank of Kosovo for Kosovo providers.

4. Financial data and future referrals

Calculator inputs included in an AI conversation are processed according to the Privacy Policy and configured AI service; do not supply bank passwords, complete card details, credit reports or unnecessary ID documents. This notice does not authorize passing your information to a bank.

Any future finance application or referral must first identify the lender or recipient, PlusHouse's actual role and any compensation, required authorization, data fields, purpose, lawful basis, recipient privacy notice and any separate permission required. A general terms acceptance or an agency inquiry is not such permission. Until those controls and a real integration exist, no credit application or approval should be represented as completed.