Consumer loan
|
Currency
|
Floating interest rate
|
|
EUR
|
6-month EURIBOR + surplus 6%, total not less than 8,50%+ 0,6% Law 128/75 levy
|
Example:
For Consumer loan in the amount of EUR 20 000 with salary transfer and a loan period of 84 months, floating annual interest rate of min 8.5%, consisting of the 6-month EURIBOR, increased by a surplus of 6%, the total not less than 8.5%+ 0,6 Law 128/75 levy, one-off expense for loan application assessment: EUR 100: equal monthly installments EUR 322,95 for the first 6 months, total amount due (principal, interest and fees) EUR 27 647,40. Annual percentage rate of charge (APRC) - ** 10.20%.
** The Annual percentage rate of charge includes: one-off expense for research and loan application assessment, monthly internet banking service.
Housing loan "New Home"
Housing loan “New Home" is available in EUR. You can choose between a floating interest rate that will be adjusted in line with the benchmark in the beginning of each 6-month period, and an interest rate that will remain fixed in the first 5-year period.
All interest rates are per annum.
| Currency |
Floating interest rate |
Interest rate determined for the first 5-years period |
| EUR |
6-month EURIBOR + surplus 1.20%,
total not less than 2.80%+ 0,12 Law 128/75 levy
|
3.50% + 0,12 Law 128/75 levy
|
Interest rates are only available to clients with salary transfer in the Bank and unlimited liability, i.e. with all their property.
Example 1
For Housing loan “New Home" in the amount of EUR 70 000 with salary transfer and a loan period of 15 years, floating annual interest rate of min 2.80%, consisting of consisting of the 6-month EURIBOR, increased by a surplus of 1.20%, the total not less than 2.80%+ 0,12 Law 128/75 levy, one-off expense for research and loan application assessment: EUR 300: equal monthly installments EUR 482.09 for the first 6 months, total amount due (principal, interest and fees) EUR 87 444.79. Annual percentage rate of charge (APRC) - *** 3.30%.
Example 2
For Housing loan “New Home" the amount of EUR 50 000 with salary transfer and a loan period of 12 years, fixed annual interest rate for the first 5 years: 3.50% + 0,12 Law 128/75 levy, one-off expense for research and loan application assessment EUR 300: equal monthly installments EUR 429.80 for the first 5 years, total amount due (principal, interest and fees) EUR 62 559.91. Annual percentage rate of charge (APRC) - *** 4.20%.
*** The Annual percentage rate of charge includes: a collateral evaluation fee /apartment/, fees related to issuance of documents for registration/deletion of prenotice of mortgage, one-off expense for research and loan application assessment, annual property insurance fee monthly internet banking service.
