* For the calculation example, the nominal interest rate valid for clients without Client Status was used

***EIR is calculated on the specified amount of the loan, with the specified repayment period, the cost of real estate assessment in the amount of EUR 220.00, the annual real estate insurance premium in the amount of EUR 50.00, the annual life insurance premium in the amount of EUR 180.00, without credit processing fee, intercalary interest for the whole month and payment transaction costs in the amount of EUR 13.27.

****The total amount to be repaid includes the principal amount of the loan, and the interest calculated until the end of the loan repayment increased by the amount of the intercalary interest for the whole month, assuming that the specified variable interest rate is valid until the end of the loan repayment,real estate appraisal cost in the amount of EUR 220.00, annual real estate insurance premium in the amount of EUR 50.00, annual life insurance premium in the amount of EUR 180.00, excluding credit processing fee and payment processing costs in the amount of 13 ,27 EUR. 

Intercalary interest is equal to regular interest, it is calculated on the used part of the loan until the loan is put into repayment, and it is charged immediately when the loan is disbursed.

Before credit will paid out the user will be given European standardized information form (ESIS form) with the exact total amount to be paid and the calculation of EIR.