Saving on commission for granting a loan in the ‘Best on your own – easy start’ offer, 100%, i.e. PLN 4,484, was calculated for a representative example of this Offer, i.e. a loan of PLN 236,000 for 25 years compared to the Standard offer for a loan with such parameters. With other loan parameters, saving on commission for granting a loan under the “Best on your own – easy start” offer may have a different value. For the ‘Best on your own – easy start’ offer, the requirement to have additional contracts (account, insurance) is included, which is a condition for taking advantage of this offer. Information on products, including fees related to additional contracts, is available at us. Familiarize yourself with the regulations of the special offer ‘Best on your own – an easy start’. No additional contracts are required for the Standard Offer. Granting the loan and the conditions will depend on the result of the creditworthiness assessment and the proposed collateral.

Offers with a variable interest rate

Offers with a variable interest rate

“The best on your own – easy start” offer

"The best on your own - easy start" offer

The actual Annual Interest Rate (APRC) is 4.44%, for a mortgage loan in the “Best on your own – easy start” offer, with the following assumptions: loan period of 25 years, total amount of loan secured by mortgage (without costs credited) 236,000.00 PLN, total amount to be paid 388 724.04 PLN, variable interest rate 3.74% including: Euridor 6M reference rate 1.79% and margin 1.95% (the margin is increased by 0.05 pp. until the contractual mortgage is entered) assuming that this will take place within six months of the conclusion of the loan agreement), the total cost of the loan: PLN 152,724.04, including: commission PLN 0, interest PLN 130 785.67, tax on civil law transactions (PCC) PLN 19, real estate insurance from fire and other fortuitous events concluded through the bank PLN 6 819.46 (with security on one property), fee for the property valuation service ordered by the bank PLN 420 (for the property constituting an apartment), fee the one for maintaining a Direct account PLN 0, the cost of an incoming and outgoing transfer made in the online banking system in the amount of PLN 0, insurance repayment insurance “Option Life Plus” PLN 14 679.91, 288 monthly installments equal to PLN 1242.67 after establishing the security. The loan requires collateral in the form of a mortgage in the amount of at least PLN 354,000.00. The calculation was made on August 5, 2019 on a representative example. The variable interest rate carries the risk of an increase in the installment, and thus the amount of the debt.

Standard offer

Standard offer

The actual Annual Interest Rate (APRC) is 4.83%, for a mortgage loan in the standard offer, with the following assumptions: loan period of 22 years and 6 months, the total amount of the loan secured by a mortgage (without costs credited) PLN 90,000.00, total amount payable PLN 145,023.62, variable interest rate 4.29% including: Euridor 6M reference rate 1.79% and a margin of 2.50% (the margin is increased by 0.05 pp. until the contractual mortgage is entered assuming that this will take place within 6 months of the conclusion of the loan agreement), the total cost of the loan PLN 55,023,62 including: commission PLN 1710.00, interest PLN 50 533.18, tax on civil law transactions (PCC) PLN 19, real estate insurance against fire and other random events concluded through the bank PLN 2,341.44 (with security on one property), fee for the property valuation service ordered by the bank PLN 420 (for a property constituting an apartment), 270 monthly installments equal PLN 520.44 after collateral. The loan requires a mortgage collateral of at least PLN 135,000. The calculation was made on June 3, 2019 on a representative example. The variable interest rate carries the risk of an increase in the installment, and thus the amount of the debt.

The above information does not constitute an offer within the meaning of the law, and is for information only. Granting the loan and its conditions will depend on the result of the creditworthiness assessment and the proposed collateral.