| |
| Amounts: |
up to euro 9.000,00 |
|
Repayment terms:
|
up to 6 years |
|
Interest rates:
|
9,5 %, changeable |
|
| Required guarantors: * |
1 guarantor,
to the Bank's customers |
|
| |
|
*Instead of a
guarantor, a pledge over domestic or foreign currency
savings can serve as security, to the amount of 110% of
loan granted.
| Loan amounts
in euro |
Interest
rates |
Number of guarantors |
REPAYMENT TERM |
| 6 m. |
12 m. |
24 m. |
36 m. |
48 m. |
60 m. |
72 m. |
|
| 500,00 |
9,5% |
1 |
85,66 |
43,84 |
22,96 |
16,02 |
- |
- |
- |
|
| 1.000,00 |
9,5% |
1 |
171,32 |
87,68 |
45,91 |
32,03 |
25,12 |
21,00 |
18,27 |
|
| 1.500,00 |
9,5% |
1 |
256,97 |
131,53 |
68,87 |
48,05 |
37,68 |
31,50 |
27,41 |
|
| 2.000,00 |
9,5% |
1 |
342,63 |
175,37 |
91,83 |
64,07 |
50,25 |
42,00 |
36,55 |
|
| 3.000,00 |
9,5% |
1 |
513,95 |
263,05 |
137,74 |
96,10 |
75,37 |
63,01 |
54,82 |
|
| 4.000,00 |
9,5% |
1 |
685,26 |
350,73 |
183,66 |
128,13 |
100,49 |
84,01 |
73,10 |
|
| 5.000,00 |
9,5% |
1 |
856,58 |
438,42 |
229,57 |
160,16 |
125,62 |
105,01 |
91,37 |
|
| 6.000,00 |
9,5% |
1 |
1.027,89 |
526,10 |
275,49 |
192,20 |
150,74 |
126,01 |
109,65 |
|
| 7.000,00 |
9,5% |
1 |
1.199,21 |
613,78 |
321,40 |
224,23 |
175,86 |
147,01 |
127,92 |
|
| 8.000,00 |
9,5% |
1 |
1.370,52 |
701,47 |
367,32 |
256,26 |
200,99 |
168,01 |
146,20 |
|
| 9.000,00 |
9,5% |
1 |
1.541,84 |
789,15 |
413,23 |
288,30 |
226,11 |
189,02 |
164,47 |
|
|
The contracted amount of loans granted is put
into circulation with transfers to borrowers'
current accounts
or savings books.
Loan repayment is contracted in monthly
installments by applying a foreign currency clause at the
mean exchange rate from the Bank' foreign exchange
list for euro .
Premature repayment (partly or complete) can be
done with the Bank's consent.
Who can use the loan?
The model 2 non-purpose loans can be used by customers whose operating with the Bank is of a permanent character and permanently in order and who are obliged to maintain such a position throughout the loan repayment term.
Citizens not having a saver's status are granted
loans with a 13,9% annual interest rate.
What are the basic prerequisites for getting a
loan?
The basic prerequisites for getting a loan are a
valid proof of regular monthly income (a salary, a pension,
a tax base and similar) and the customer's
creditworthiness.
The customer 's and the guarantor's
creditworthiness are assessed with an average
monthly amount of their non burdened income so that a repayment
installment does not exceed 1/3 of
permanent monthly income for the borrower and 1/2 for
guarantors.
The fulfillment of customer 's and the
guarantor's creditworthiness can be secured by
including additional co- debtors and guarantors
The
average non burdened monthly income of a
debtor and a co-debtor together, i.e. guarantors and
additional guarantors collectively, must satisfy the
1/3 ratio of monthly installments to non
burdened income, for a debtor and co-debtor, or
1/2 for guarantors and additional
guarantors.
At assessing the borrower's creditworthiness, for establishing the neatness
of payment of salaries to employees in the last 6 months
the Banks' expert offices can require
a proof of the solvency of the company that employ the
debtor or the co-debtor.
In case they are employed by
small entrepreneurs, the Banks' expert offices can
require sending annual or semi annual statistical
reports and BON-2 documents.
In case the sum of borrower's age and the years
of repayment term exceeds 75, the loan user must
get himself an additional co-debtor.
What are the loan repayment instruments?
In order to secure the loan repayment, apart from the administrative ban on
permanent incomes, the
borrower must present a blank signed bill of
exchange endorsed by a guarantor (and a blank bill of exchange signed by a solidary
co-debtor, if included in the loan request).
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