Green loans| NKBM

HOUSING LOAN - COMPOUND VARIABLE INTEREST RATE: When calculating the home loan with insurance premium, a compound variable interest rate of 4,453% was used, calculated on the basis of the reference interest rate of 3-month Euribor in the amount of 2,703% and a mark-up in the amount of 1,75%.

The Euribor value on the day of calculation is 2,703%. In case that the EURIBOR would be less than 0.00%, for the period when the EURIBOR is lower than 0.00%, the bank applies and calculates the contractual interest at the reference interest rate EURIBOR 0.00%, increased by the surcharge. The surcharge determined on an annual basis is fixed in the calculation.

The bank expressly warns the borrower that in case of a change in the Euribor reference interest rate, the interest rate and annuity of the loan may change in relation to the previous period, which may increase or decrease depending on the change in the reference interest rate. Since the interest rate for regular interest under this contract is variable, the calculation of the total costs of the loan is based on the assumption that the interest rate remains the same as the initial amount until the final maturity of the loan under this contract. In case of an increase in the variable interest rate, the total cost of the loan may increase.
 

HOUSING LOAN - FIXED INTEREST RATE: When calculating the housing loan with insurance premium, a fixed interest rate of 4,25% was used

The bank pays interest on loans at a fixed annual interest rate.

 

The calculation is informative and not binding for the bank. The loan amount, repayment period and approval and repayment costs depend on the business of the borrower. More detailed information and an exact calculation can be obtained from all branches of our bank.

The calculated EOM is valid on the day of calculation. It changes if the interest rate, approval costs and loan approval date change. EOM is calculated on the assumption that the loan is used up and is repaid immediately (no intercalary interest is calculated).

The effective interest rate or EOM is an annual rate that reflects the actual price of money and is calculated by taking into account the terms of the loan, i.e. the total amount of the loan, the drawdown term, the repayment term, the number of monthly obligations, the interest rate, the approval costs and loan insurance and the costs of managing a personal/transaction account; its calculation is intended as information for the borrower and to fulfill the requirement to calculate the EOM in accordance with the legal provisions of the Consumer Loan Act. The effective interest rate is informative and may change if any of the items in the calculation change. Total loan costs are all costs, including interest, commissions, taxes and other types of fees, which the borrower must pay in connection with the loan agreement and which are known to the bank, costs related to ancillary services in connection with the loan contract, especially insurance premiums, membership fees, taxes and costs of other contracts concluded with the bank; the total costs of the loan do not include notary fees and insurance premiums for insuring the goods, the purchase of which is financed with loan .

The total amount that the borrower must pay is the sum of the total amount of the loan and the total costs of the loan.
 

GREEN PAYMENT NO LOAN - FIXED INTEREST RATE: A fixed interest rate of 6,50% was used in the calculation. The bank pays interest on loans at a fixed annual interest rate.

The calculation is informative and not binding for the bank. The loan amount, repayment period, and approval and repayment costs depend on the business of the borrower. More detailed information and an exact calculation can be obtained from all branches of our bank.

The calculated EOM is valid on the day of calculation. It changes if the interest rate, approval costs, and loan approval date change. EOM is calculated on the assumption that the loan is used up and is repaid immediately (no intercalary interest is calculated).

The effective interest rate or EOM is an annual rate that reflects the actual price of money and is calculated by taking into account the terms of the loan, i.e. the total amount of the loan, the drawdown term, the repayment term, the number of monthly obligations, the interest rate, the approval costs and loan insurance and the costs of managing a personal/transaction account; its calculation is intended as information for the borrower and to fulfill the requirement to calculate the EOM in accordance with the legal provisions of the Consumer loan Act. The effective interest rate is informative and may change if any of the items in the calculation change. Total loan costs are all costs, including interest, commissions, taxes, and other types of fees, which the borrower must pay in connection with the loan agreement and which are known to the bank, costs related to ancillary services in connection with the loan contract, especially insurance premiums, membership fees, taxes and costs of other contracts concluded with the bank; the total costs of the loan do not include notary fees and insurance premiums for insuring the goods, the purchase of which is financed with the loan.

The total amount that the borrower must pay is the sum of the total amount of the loan and the total costs of the loan.