Housing loan

Conditions

• A natural person (existing and new client), resident, who meets the Bank creditworthiness requirements (optional co-borrowing).
• Loan amount: up to EUR 450,000
• Housing loans without collateral up to EUR 40,000
• Loan repayment period: from 5 up to 30 years

Prices

Reduced interest rates from March 4 until April 19, 2024:

Interest rate: 3.69 % (EIR 4,64 %) for loan with CPI*

Interest rate: 3,79 % (EIR 4,11 %) for loan without CPI**

* Typical example: For a loan in the amount of EUR 70,000, a fixed interest rate of 3.69% 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 credit protection life insurance (CPI) and maintaining a current account, the effective interest rate is 4.64%. The monthly annuity is EUR 412.85. The total amount that the client needs to pay is EUR 104,876.19.

** Typical example: For a loan in the amount of EUR 70,000, a fixed interest rate of 3.79% 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 premium and the loan user insurance policy against the consequences of an accident, real estate valuation and maintaining a current account, the effective interest rate is 4.11%. The monthly annuity is EUR 416.49. The total amount that the client needs to pay is EUR 102,256.89.

STANDARD OFFER

• Interest rate: 3.85% fixed for the entire repayment period (with loan repayment life insurance)***
• Interest rate: 4,09% fixed for the total repayment period****
• Interest rate: 4,19% fixed for the total repayment period with the purpose of construction, completion, extension, reconstruction with the future value of the property*****

*** Typical example: For loans in the amount of EUR 70,000, fixed interest rate of 3,85 % 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 premiums and credit protection life insurance (CPI) and maintaining a current account, the effective interest rate is 4,82 %. The monthly annuity in the first repayment period is EUR 418,68. The total amount to be repaid by the client is EUR 108.380,05.

**** Typical example: For loans in the amount of EUR 70,000, fixed interest rate of 4,09 % 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, real estate valuation and maintaining a current account, the effective interest rate is 4,46 %. The monthly annuity in the first repayment period is EUR 427.52. The total amount to be repaid by the client is EUR 105.122,44.

*****Typical example: For loans in the amount of EUR 70,000, fixed interest rate of 4,19 % 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 and maintaining a current account, the effective interest rate is 4,52 %. The monthly annuity in the first repayment period is EUR 431,24. The total amount to be repaid by the client is EUR 105.818,75.