Consumer loan^TB

A non-purpose loan on which you can claim benefits if you prove to us that you used the borrowed funds to finance ecological products in your home. For example, to install equipment for using renewable energy sources such as solar collectors, photovoltaics, replacing old windows with new ones, buying a heat pump, electric bicycle or electric scooter and many other energy-saving improvements for your home. You have the loan granted within a few minutes, but you have up to 6 months from the time it was granted to send the purchase documents.

Electric car or plug-in hybrid:

• invoice,
• vehicle registration certificate part II (technical license).

Other products or projects:

• invoice,
• proof of payment (advance payment is also sufficient).

Appliances (applies only to loans granted until June 6, 2022):

• invoice,
• energy label of class A, B, C or D,
• proof of payment - online banking payment screen.

If the invoice from the e-shop contains payment information, a proof of payment is not required.

• For a loan of 11 000 EUR with a fixed interest rate of 6.49 % p. a., loan maturity with the number of 96 monthly annuity installments and a one-time loan fee of 220 EUR, the annual percentage rate of costs is 7.40 % with a monthly loan payment of 147.68 EUR, while the last loan payment is in in the amount of 56.86 EUR. The total amount to be paid by the client is 14 306.46 EUR, while the interest calculation is based on the actual number of days in individual months and the assumption that the length of the calendar year is 360 days.

A representative example of the APR calculation for the Consumer loan^TB in the case of applying benefits #forblueplanet

If the conditions for applying the benefits of #forblueplanet are met, the paid loan fee of 220 EUR will be refunded and the interest rate will be reduced to 5.49 % p. a., while the above data changes as follows:

• The monthly loan payment will be reduced to 144.95 EUR, while the last loan payment will be 63.89 EUR and the annual percentage rate of costs will be reduced to 6.26 %. The total amount paid by the client will be 13 834.14 EUR. Other data do not change.

A representative example of the APR calculation for the Consumer loan^TB with benefit Extra installments

• You can achieve savings of more than 700 EUR in the total amount, provided that you also make optional Extra installments in the amount of 31 EUR per month, i.e. the total amount of the installment will be 178.68 EUR. The total amount to be paid by the client is 13 594.90 EUR and the annual percentage rate of costs is 7.57 %. The loan will be repaid after 75 monthly annuity and Extra installments. The last annuity loan payment will be 152.58 EUR. Other above-mentioned data do not change.

A representative example of the APR calculation and an example of the payment of the benefit for the Consumer loan^TB with the benefit We will return the interest to you

A representative example and an example of the payment of the benefit after the conditions have been met, assuming that the loan is granted on 09. 05. 2023 and the installment payment date is the 10th of the month, while the first installment will be paid on 10. 05. 2023:

For a loan of 11 000 EUR with a fixed interest rate of 6.49 % p. a., with a loan maturity of 96 monthly annuity payments and a one-time loan fee of 220 EUR, the annual percentage rate of costs is 7.40 % with a monthly loan payment of 147.68 EUR. The total amount to be paid by the client is 14 306.46 EUR, while the interest calculation is based on the actual number of days in individual months and the assumption that the length of the calendar year is 360 days.

If the condition of proper repayment specified in this public promise is fulfilled, the client will be paid a benefit in the amount of 316.25 EUR. In the case of payment of the benefit on the 13th loan installment, the annual percentage rate of costs will be 6.59 % and the total amount paid by the client is 13 990.21 EUR.