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Charges

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Rates of credit services to private customers: 

 

Consumer creditsEur
The fee for preparing the credit agreementfrom 1 % of the amount, min. Eur 50
Changing the terms of the credit agreementEur 90
Concluding the agreement for transferring the debt to another entity1 % of the credit amount, min. Eur 90
The fee for early repayment of the credit or its partfree of charge
Issue of statements (consents, permissions, confirmations, etc.) related to the credit agreementEur 15
Sending the notices of failure to fulfil the obligations under the credit agreement by mailEur 1.45 each
Translation of the agreement, its annexes, additional agreements and certificates into
foreign languages
according to the rates of a translation agency
Suppose that the consumer credit amount is EUR 1 448.10, the credit period is 5 years (60 months), fixed interest rate of 12% is applied, and the credit agreement fee is EUR 86.89. The credit is repaid using the annuity method. The first instalment is paid exactly one month from the date of entering into the agreement. In this case, the total amount of the credit is EUR 2 019.55, the total annual percentage rate of the total cost of consumer credit is 15.8%, and the monthly instalment is EUR 32.22. Annual percentage rate of the total cost of consumer credit was calculated in the context of the following assumptions: the entire consumer credit is paid to the customer on the date of signing the Credit Agreement; instalments are paid free of charge, by depositing funds for repayment of the credit in cash into the customer’s own account held with the Bank; account maintenance fee does not apply;  consumer credit interest rate and other charges will remain the same as in the initial stage and will be applied until the end of the Consumer Credit Agreement; the consumer credit will be repaid in line with the terms specified in the Credit Agreement.


Mortgage creditsEur
The fee for preparing the credit agreementfrom 0.5 % of the amount, min. Eur 120
The fee for amending the credit agreement, when the amount of the credit is being increasedfrom 0.5 % of the increased amount, min. Eur 120
The fee for amending other terms and conditions of the credit agreementEur 175
Commitment fee on the unused amount of the creditfrom 0.5% of the annual interest on the unpaid amoun
Concluding the agreement for transferring the debt to another entity0.5 % of the loan amount, min. Eur 250
The fee for early repayment of the credit or its partfree of charge
The fee for issuing the permit (certificate) for second mortgage for the benefit of another creditorEur 150
Issue of statements (consents, permissions, confirmations, etc.) related to the credit agreementEur 15
Translation of the agreement, its annexes, additional agreements and certificates into foreign languagesaccording to the rates of a translation agency
Sending the notices of failure to fulfil the obligations under the credit agreement by mailEur 1.45 each
Assessment of mortgaged propertyunder a separate agreement 

 

Secured creditsEur
The fee for preparing the credit agreementfrom 0.5 % of the amount, min. Eur 150
The fee for amending the credit agreement, when the amount of the credit is being increasedfrom 0.5 % of the increased amount, min. Eur 150
The fee for amending other terms and conditions of the credit agreementEur 250
Concluding the agreement for transferring the debt to another entity1 % of the loan amount, min. Eur 250
The fee for early repayment of the credit or its partfree of charge
The fee for issuing the permit (certificate) for second mortgage for the benefit of another creditorEur 150
Issue of statements (consents, permissions, confirmations, etc.) related to the credit agreementEur 15
Translation of the agreement, its annexes, additional agreements and certificates into foreign languagesaccording to the rates of a translation agency
Sending the notices of failure to fulfil the obligations under the credit agreement by mailEur 1.45 each
Assessment of mortgaged propertyunder a separate agreement

 

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