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  3. Interest rates for Loan products

Interest rates for Loan products

Product Name fixation interest rate [% p.a.] sanction
[% p.a.]1
Mortgage LoanTB*      
  1Y from 4.09 +7.40
  2Y from 3.69 +7.40
  3Y from 3.69 +7.40
  5Y from 3.89 +7.40
  7Y from 4.49 +7.40
  10Y from 4.69 +7.40
*Special discount on the interest rate of 0.3 % p.a. for all applications submitted from 02. 06. 2025 to 31. 08. 2025
Mortgage LoanTB with state contribution to the young       
  1Y from 1.09 +7.40
  2Y from 0.69 +7.40
  3Y from 0.69 +7.40
  5Y from 0.89 +7.40
Home equity Loan*      
  1Y from 4.39 +7.40
  2Y from 3.99 +7.40
  3Y from 3.99 +7.40
  5Y from 4.19 +7.40
  7Y from 4.79 +7.40
  10Y from 4.99 +7.40
*Special discount on the interest rate of 0.3 % p.a. for all applications submitted from 02. 06. 2025 to 31. 08. 2025
Consumer loan / Refinancing loan / Non-specific loan without security      
    from 5.99 +7.40
Overdraft      
    from 18.90 +7.40
Credit card private VISA standard      
    from 18.80 +7.40
Credit card private VISA gold      
    from 14.90 +7.40
Credit card private VISA Platinum      
    from 10.90 +7.40
Credit card private MC MercedesCard      
    from 11.90 +7.40
Visa Standard Business      
    from 19.00 +9.00
Visa Gold Business      
    from 19.00 +9.00
Consumer Loan Guaranteed / Non-specific loan secured by funds to legal entities or individuals-entrepreneurs          
Consumer overdraft Loan   from 8.90 +7.402)
Instalment Loan   from 5.40 +7.40
BASE RATE3)       from 7.00  
BusinessLoanTB Expres      
Consumer overdraft   from 8.59 4) +25.00
Instalment Loan   from 6.59 4) +25.00
BusinessLoanTB Hypo5)      
  1Y from 6.29 +8.00
  3Y from 5.79 +8.00
  5Y from 5.59 +8.00

Interest rates are specified in percentage p. a. (per annum)

1) penalty interest is applied in addition to standard interest
2) interest from unauthorized overdrafts on current accounts
3) basic interest rate for non-purpose consumer loans secured by financial means
4) variable interest rate linked to the current BASE RATE
5) applies to loan refixations

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