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Interest Bulletin

 

Annual interest rates for FlexSave accounts
 

Currency Min. balance Interest Rate 
EUR 1 000 0.15% 

 


Annual interest rates for Standard Term Deposits 
 

Currency Min. balance 12 months  18 months  24 months   36 months 
EUR/USD 5 000 0.25%  0.30%   0.35%  0.40%  


Interest rate in case of premature withdrawal: Interest rate - 0.00%.
 

 

Current account (for all currencies) - Interest rate - 0%.

All interest rates are accrued on basis 365/360 days.

Interest rates for private individuals with balance more than EUR 100 000 on their accounts (current accounts/deposits/FlexSave) are negotiated individually.

 

 

Housing loan "New Home"

 

Housing loan New Home" is available in EUR. You can choose between a floating interest rate that will be adjusted in line with the benchmark in the beginning of each 6-month period, and an interest rate that will remain fixed in the first 10-year period.

 

All interest rates are per annum.

 

 

Currency  Floating interest rate Interest rate determined for the first 10-years period 
EUR

6-month EURIBOR + surplus 2.75%, 

total not less than 2.75%+ Law 128/75 levy** 

6-month EURIBOR + surplus 4.00%,

total not less than 4.00% + Law 128/75 levy 

 

 Interest rates are only available to clients with salary transfer in the Bank and unlimited liability, i.e. with all their property.

 

Example 1


For Housing loan “New Home" in the amount of EUR 70 000 with salary transfer and a loan period of 15 years, floating annual interest rate of min 2.75%, consisting of the total not less than 2.75%+ Law 128/75 levy, one-off expense for research and loan application assessment: EUR 300: equal monthly installments EUR 476.34 for the first 6 months, total amount due (principal, interest and fees) EUR 86 639.57. Annual percentage rate of charge (APRC) - *** 3.12%.

 

Example 2


For Housing loan “New Home" the amount of EUR 50 000 with salary transfer and a loan period of 12 years, fixed annual interest rate for the first 10 years 4.00%, consisting of the 6-month EURIBOR, increased by a surplus of 4.00%, Law 128/75 levy, one-off expense for research and loan application assessment EUR 300: equal monthly installments EUR 439.13 for the first 10 years, total amount due (principal, interest and fees) EUR 63 234.66. Annual percentage rate of charge (APRC) - *** 4.60%.

 

** For borrowers with a monthly income above EUR 1500

 

*** The Annual percentage rate of charge includes: a collateral evaluation fee /apartment/, fees related to issuance of documents for registration/deletion of prenotice of mortgage, one-off expense for research and loan application assessment, annual property insurance fee monthly internet banking service.