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Housing loan

  • Up to 250.000,00 EUR 
  • The loan can be used for the purchase (refinancing) or renovation of real estate
  • Combined interest rate
  • Repayment term up to 25 years
  • Combined interest rate from 3.65% (EIR 3,96%)
A representative example of calculations and assumptions for the calculation of EIR: 
Loan currency EUR
Purpose Purchase/refinancing
Loan amount 100.000,00 EUR
Repayment term 25 years
Compensation without compensation
Nominal interest rate* 

3,65% fixed first 3 year, after that a variable consisting of fixed part of 1,35% and a variable part that is linked to 6M EURIBOR (2,342%)

The cost of the real estate appraisal  220,00 EUR
The cost of the real estate insurance premium (annually) 50,00 EUR
The cost of the accident insurance premium (annually) 70,00 EUR
The cost of the payment transaction fee 13,27 EUR
The cost of maintaining a transaction account 1,59 EUR
Annuity 508,70 EUR 
Effective interest rate 3,96%
Total amount 153.042,27 EUR

* For the calculation example, the nominal interest rate and fee valid for clients whi have or will achieve Client Status within 60 days of loan disbursement were used, 


The overview of the 6M EURIBOR is availabe on the website:  www.euribor-rates.eu