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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
  • Fixed interest rate
  • Repayment term up to 15 years
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 10 years
Compensation without compensation
Nominal interest rate* 

6,10% fixed 

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
Annuity 1.115,23 EUR 
Effective interest rate 6,54%
Total amount 133.828,11 EUR

* 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 accident insurance premium in the amount of EUR 70.00, 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 accident insurance premium in the amount of EUR 70.00, 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.

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