I’m planning on taking out a loan to buy an apartment. What extra costs should I expect on top of the loan?

It will then ask you to take out death, disability, and incapacity to work insurance as a premium included in your monthly payment. This insurance takes care of your payments in the case of death and disability or a temporary inability to work.

If you are an employee, your bank may ask you to take out loss of employment insurance (but this is optional). This insurance, under certain conditions and after a certain amount of time, is intended to cover your payments, in whole or in part, if you are laid off.

Finally, there is no such thing as a loan without collateral. Most of the time, this is a mortgage or a lender’s preferential claim that leads to the sale of your property in case of a payment default.
You should be aware that overall cash cost takes extra costs into account. You should therefore always consider that amount when comparing different loan solutions.