Housing loan for the youth

Conditions

• A natural person (existing or new clients), resident, who meets the requirements of creditworthiness set by the Bank (possible shared debt)
• Loan amount: up to EUR 700,000*
• Repayment period: from 5 to 30 years

_{* The loan amount depends on the client's business relationship and the assessment of their credit risk.}

Prices

• Combined interest rate: The interest rate is fixed for the first five years and amounts to 2.99%, then variable in the amount of 2.99%, and consists of: 0.39% (fixed part of the interest rate) + 6M EURIBOR (variable part of the interest rate valid on 29. 6. 2026 is 2.595%)*
• Interest rate: 3.39 %**
• Interest rate: 3.69% fixed for the total repayment period with the purpose of construction, completion, extension, reconstruction with the future value of the property***

_{* Representative example of a housing loan with a mortgage on real estate: For a loan in the amount of EUR 100,000, with a combined interest rate (fixed for five years at 2.99% per year, and thereafter variable at 2.99% per year, consisting of: 0,39% (fixed part of the interest rate) + 6M EURIBOR (variable part of the interest rate valid on 29.6.2026 is 2.595%), repayment period of 20 years (240 monthly annuities), repayment in annuities including the of real estate fire insurance premium and the loan user insurance policy against the consequences of an accident, the cost of real estate appraisal and maintaining a current account for one month, the effective interest rate is 3.30%. The monthly annuity for five years is EUR 554.11, thereafter it is EUR 554.11, and the total amount that the client needs to pay is EUR 136,143.11.}

_{** Typical example: For a loan in the amount of EUR 100,000, a fixed interest rate of 3.39% for the entire loan repayment period, a repayment period of 20 years, 240 monthly annuities, repayment in annuities including the costs of real estate fire insurance premiums and the loan user insurance policy against the consequences of an accident, cost of the real estate appraisal and maintaining a current account, the effective interest rate is 3.71%. The monthly annuity is EUR 574.33. The total amount that the client needs to pay is EUR 141.030,85.}

_{*** Typical example: For loans in the amount of EUR 100,000, fixed interest rate of 3,69 % for the entire loan repayment period, with a repayment period of 20 years, 240 monthly annuities, repayment in annuities including the costs of real estate fire insurance premium and the loan user insurance policy against the consequences of an accident, cost of the real estate appraisal and maintaining a current account, the effective interest rate is 4,10 %. The monthly annuity in the first repayment period is EUR 589.80. The total amount to be repaid by the client is EUR 146,215.35.}