Loans

Private loans


Home loan

For all new home loan agreements for which applications were submitted before 29.02.24, we have following options: an interest rate of 1.69% + 6 months Euribor with a special condition of contract that, during periods when the 6 months Euribor is less than 2%, both the Bank and the Borrower will consider the 6 months Euribor rate to be equal to 2%. Or an interest rate of 2.5% + 6 months Euribor. Сontract processing fee – 0 EUR.


Mortgage loan

For all new mortgage loan agreements for which applications were submitted before 29.02.24, the interest rate is 4.5% + 6 months Euribor. Сontract processing fee – 0 EUR.

Business loans


Overdraft

Increase your company’s competitiveness. An overdraft provides an opportunity to cover unexpected expenses and supports the company’s daily economic activities, thereby ensuring short-term liquidity.


Working capital loan

Working capital loan is meant for financing a temporary deficit of current assets or for increasing current assets. You are able to use, if necessary, the bank’s cash within the limit set by the loan agreement.


Investment loan

Investment loan is meant for legal persons for obtaining, renovation and modernization of fixed assets.


Car leasing

Quick and convenient way to purchase a car.


Equipment leasing

We offer flexible terms of financing the purchase of the equipment you need for your business.

The initial annual percentage rate of a home loan is 5,78%  on the following (example) conditions:

  • the amount of loan of €66 000 is paid out immediately and in full
  • interest rate of 6 months Euribor + 1,69% per annum, in case of a negative value, 6 months’ Euribor 3,945% (with a special condition that, during periods when the 6 months Euribor is less than 2%, both the Bank and the Borrower will consider the 6 months Euribor rate to be equal to 2%. Euribor may change every 6 months)
  • contract fee of 0 EUR (for all new home loan agreements for which applications were submitted before 29.02.24) is paid upon conclusion of the agreement
  • the credit will be repaid as 240 monthly annuity payments over a period of 20 years

The initial annual percentage rate of a home loan is 6,64% on the following (example) conditions:

  • the amount of loan of €66 000 is paid out immediately and in full
  • interest rate of 6 months’ Euribor + 2,5% per annum, in case of a negative value, 6 months’ Euribor 3,945% (Euribor may change every 6 months)
  • contract fee of 0 EUR (for all new home loan agreements for which applications were submitted before 29.02.24) is paid upon conclusion of the agreement
  • the credit will be repaid as 240 monthly annuity payments over a period of 20 years

To obtain a loan, it is necessary to conclude a mortgage agreement and a collateral property insurance contract. The rate does not include costs associated with the establishing or insuring of collateral.

The initial annual percentage rate of a mortgage loan is 8,78% on the following (example) conditions:

  • the amount of loan of €50 000 is paid out immediately and in full
  • interest rate of 6 months’ Euribor + 4,5% per annum; 6 months’ Euribor 3.945% (Euribor may change every 6 months)
  • contract fee of 0 EUR (for all new mortgage loan agreements for which applications were submitted before 29.02.24) is paid upon conclusion of the agreement
  • the credit will be repaid as 96 monthly annuity payments over a period of 8 years

To obtain a loan, it is necessary to conclude a mortgage agreement and a collateral property insurance contract. The rate does not include costs associated with the establishing or insuring of collateral.