Yes. The renegotiation of home loan conditions requires the mutual agreement between the bank customer and the credit institution.

If the credit institution agrees to review the conditions of the home loan, it cannot charge any fee for the analysis of the renegotiation of the credit conditions, nor can it make such a renegotiation dependent on the acquisition of other financial products or services.

However, the credit institution may change other conditions of the loan, such as the spread, within the framework of the renegotiation.