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| Amounts: |
from euro 16.001,00 to 100.000,00 |
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Repayment terms:
|
up to 8 years |
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Interest rates:
|
9,5% |
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| Repayment security: |
Lien (hypothecation)
or mortgage or Lien over a boat. In such a case, the repayment term should not exceed 6 years |
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To the Bank's customers |
| Loan amounts
in euro |
Interest
rates |
Number of guarantors |
REPAYMENT TERMS |
| 4 yrs. |
5yrs. |
6
yrs. |
7 yrs. |
8 yrs. |
|
| 16.001,00 |
9,5% |
|
402,00 |
336,05 |
292,41 |
261,52 |
238,52 |
|
| 20.000,00 |
9,5% |
|
502,46 |
420,04 |
365,49 |
326,88 |
298,22 |
|
| 30.000,00 |
9,5% |
|
753,69 |
630,06 |
548,24 |
490,32 |
447,33 |
|
| 50.000,00 |
9,5% |
|
1.256,16 |
1.050,09 |
913,73 |
817,20 |
745,54 |
|
| 80.000,00 |
9,5% |
|
2.009,85 |
1.680,15 |
1.461,98 |
1.307,52 |
1.192,87 |
|
| 100.000,00 |
9,5% |
|
2.512,31 |
2.100,19 |
1.827,47 |
1.634,40 |
1.491,09 |
|
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The contracted amount of loans guaranteed is put into circulation with a transfer 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 4 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.
The borrower may use one or more loans out of the Model 4 credit line. However, in such a case at the time of
loan granting his overall indebtedness as to loans previously granted and the loan granted at the same time may not exceed the sum of, in kuna counter value, euro 5.000,00.
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 obtaining a loan are a valid proof of regular monthly income ( a salary, a pension, a tax base and similar) and the customer's and the guarantor's creditworthiness.
The customer 's creditworthiness is assessed by calculating the average monthly amount of his non burdened income so that the repayment installment does not exceed 1/3 of his permanent monthly income.
The fulfillment of customer 's creditworthiness can be secured by including
additional co- debtors. The average
non burdened monthly income of a debtor and a co-debtor
i.e. guarantors and additional guarantors
together, must fulfill a 1/3 ratio.
At assessing the borrower's creditworthiness, the Banks' expert services can require a proof of the solvency of the company that employ the debtor or the co- debtor for establishing 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 departments can require sending annual or semi annual statistical reports and BON-2 documents.
In case the sum 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 the borrower
must, apart from an administrative ban on permanent incomes,
present a blank signed bill of exchange endorsed by a
guarantor as well as Declaration on Consent on
Confiscation certified by a notary public.
A proof of lien registered in favor of the Bank is necessary. |
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Applicable
as of:
4.2.2012.
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| curr. |
|
buying |
mean |
selling |
| AUD |
1 |
6,053832 |
6,158527 |
6,263222 |
|
| 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 |
|
| CAD |
1 |
5,662698 |
5,760629 |
5,858560 |
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| Complete foreign exchange list |
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