Private loans

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.