Loan Terms and Conditions (pdf)
Terms and Conditions of Pledge as of 14 Dec 2017 (pdf)
Guarantee Terms and Conditions as of 14 Dec 2017 (pdf)
Pledge Details, form (pdf)
Guarantor information form (pdf)
The home loan is granted by an OP cooperative bank.
Example calculation: Home loan is a one-off loan. Let's look at a home loan where the loan amount is 170,000 euros. The loan term is 20 years. The loan margin is 1.00%. Calculating with the 12-month Euribor of 2.679% (valid on 17 Oct 2022), the effective interest rate of this home loan will be 3.871%. In addition, a loan servicing fee of 2.50 euros will be charged each month. When the loan is drawn down, a one-off origination fee of 680 euros will be charged. The estimated total cost of the loan is 242,835,33 euros.
In this calculation, we assumed that the entire loan was drawn down at once, that the loan interest rate, fees and charges stay the same throughout the loan term and that the loan is repaid in equal payments of 1010.71 euros every month. The home loan is granted by an OP cooperative bank.