Real Estate Credit Calculator

The specific terms of financing are determined individually and depend on the results of the client’s creditworthiness assessment.

If you took out a loan of EUR 55,000 for a period of 10 years with a variable interest rate of 3.5 per cent, where the payments are made on an annuity basis and you paid a one-off agreement administration fee of EUR 220, the annual percentage rate of charge would be 3.62 per cent and you would repay the total loan amount of EUR 65,484.67. The total number of loan payments – 120; monthly payment amount – EUR 543.87.

Annual percentage rate of charge is calculated based on the following assumptions: (I) the loan agreement remains in force for the entire agreed period and no amendments to its terms are made; (II) the loan is disbursed in full and immediately; (III) the parties properly fulfil their obligations on terms and conditions of the loan agreement; (IV) the interest rate specified in this example is applied throughout the effective period of the loan agreement, which, including other amounts payable, remains the same as at the time of concluding the loan agreement and applies until the end of the loan agreement; (V) no payment holiday is applied; (VI) the loan is not repaid before its maturity date. Costs of which the Bank is not aware are not included in the sample calculation of the total annual percentage rate of charge.