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The MODEL 3 non-
purpose cash loans can be used by
customers whose operating with the Bank is
not of a permanent character.
| Amounts: |
from euro 9.001,00
to 16.000,00 |
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Repayment terms:
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up to 6 years |
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Interest rates:
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9,5%, changeable |
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| Required guarantors: * |
2 guarantors |
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To the Bank's customers |
* Instead of guarantors, lien over real estate, over shares or Lien over a boat can serve as repayment security
Loan amounts
in euro |
Interest
rates |
Number of guarantors |
REPAYMENT TERMS |
| 6 m. |
12 m. |
24 m. |
36 m. |
48 m. |
60 m. |
72 m. |
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| 10.000,00 |
9,5% |
2 |
1.713,15 |
876,84 |
459,14 |
320,33 |
251,23 |
210,02 |
182,75 |
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| 11.000,00 |
9,5% |
2 |
1.884,47 |
964,52 |
505,06 |
352,36 |
276,35 |
231,02 |
201,02 |
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| 12.000,00 |
9,5% |
2 |
2.055,78 |
1.052,20 |
550,97 |
384,40 |
301,48 |
252,02 |
219,30 |
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| 13.000,00 |
9,5% |
2 |
2.227,10 |
1.139,89 |
596,89 |
416,43 |
326,60 |
273,02 |
237,57 |
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| 14.000,00 |
9,5% |
2 |
2.398,41 |
1.227,57 |
642,80 |
448,46 |
351,72 |
294,03 |
255,85 |
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| 15.000,00 |
9,5% |
2 |
2.569,73 |
1.315,25 |
688,72 |
480,49 |
376,85 |
315,03 |
274,12 |
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| 16.000,00 |
9,5% |
2 |
2.741,04 |
1.402,94 |
734,43 |
512,53 |
401,97 |
336,03 |
292,40 |
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A contracted amount of loans guaranteed is put into
circulation with transfers to a current account or a
borrower's savings book.
Loan repayment is contracted in monthly installments by applying a foreign currency clause at the mean exchange rate
from the Bank's foreign exchange list for euro .
Who can use a loan?
The Model 3 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.
Loans
with a 13,9% annual rate are granted to citizens not having a saver's status.
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 as well as the guarantor's creditworthiness.
The customer 's and the guarantor's creditworthiness are assessed by calculating the average monthly amount of their non burdened income so that 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
together must fulfill a 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, the Banks' expert offices can require a proof of the solvency of the company that employ the debtor or the co- debtor
in order to establish the neatness or repayment of salaries in the last 6 months. In case the debtor of the co- debtor 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 years, 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
an administrative ban on permanent incomes, the borrower
must present a blank signed bill of exchange endorsed by
guarantors ( and a blank bill of exchange signed by a
solitary co-debtor if included in the loan request).
In case, instead of guarantors as repayment security
acts lien over real estate or shares.
A proof of
lien registered in favor of the Bank is required . |
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Applicable
as of:
4.2.2012.
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| curr. |
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buying |
mean |
selling |
| AUD |
1 |
6,053832 |
6,158527 |
6,263222 |
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| USD |
1 |
5,666036 |
5,752321 |
5,838606 |
|
| CHF |
1 |
6,195537 |
6,289885 |
6,384233 |
|
| EUR |
1 |
7,518054 |
7,578683 |
7,631734 |
|
| GBP |
1 |
8,978834 |
9,115568 |
9,252302 |
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| CAD |
1 |
5,662698 |
5,760629 |
5,858560 |
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| Complete foreign exchange list |
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