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

Reduced interest rates until June 1, 2025:

• Interest rate: 2,85 % (EIR 3,17 %)*

• 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 a loan in the amount of EUR 70,000, a fixed interest rate of 2,85% for the entire loan repayment period, a repayment period of 30 years, 360 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 and maintaining a current account, the effective interest rate is 3,17%. The monthly annuity is EUR 289.50. The total amount that the client needs to pay is EUR 107,952.91.

**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 4,75 %. 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.