Here you'll find typical examples of the annual percentage rates for home loan, home equity loan, home small loan, small loan, credit line and student loan.

## Home loan

The initial annual percentage rate is 2,331% on the following (example) conditions:

- loan of €68 000;
- floating interest rate 2.20% per annum + 6 months' Euribor (as at 13.01.2016 the 6-month Euribor rate was -0,054%; the rate set out in your agreement may change every 6 months; negative Euribor equals to zero);
- contract fee of €680;
- repayment period of 30 years;
- number of repayments 360;
- the sum of repayments €93 320.83;
- the total cost of the credit €26 000.83;
- the total sum of the credit €94 000.83.

The rate is calculated on the assumption that the amount of credit is being issued immediately and in full and that the basic amount and interest will be repaid as monthly annuity payments. The loan agreement is secured with a mortgage. Upon taking a loan, a home insurance contract must be entered into. The rate does not include costs associated with the establishing or insuring of collaterall.

## Home small loan

The annual percentage rate is 13,154% on the following (example) conditions:

- loan of €10 000;
- fixed interest rate of 12%;
- contract fee of €100;
- repayment period of 10 years;
- number of repayments 120;
- the sum of repayments €17 169.16;
- the total cost of the credit €7269,16;
- the total sum of the credit €17 269.16.

The rate is calculated on the assumption that the amount of credit is being issued immediately and in full.

## Home equity loan

The initial annual percentage rate is 4,287% on the following (example) conditions:

- loan of €24 000;
- floating interest rate 4% per annum + 6 months' Euribor (as at 13.01.2016 the 6-month Euribor rate was -0,054%; the rate set out in your agreement may change every 6 months; negative Euribor equals to zero);
- contract fee of €240;
- repayment period of 15 years;
- number of repayments 180;
- the sum of repayments €32 087.47;
- the total cost of the credit €8327.47;
- the total sum of the credit €32 327.47.

The rate is calculated on the assumption that the amount of credit is being issued immediately and in full and that the basic amount and interest will be repaid as monthly annuity payments. The loan agreement is secured with a mortgage. Upon taking a loan, a home insurance contract must be entered into. The rate does not include costs associated with the establishing or insuring of collateral.

## Small loan

The annual percentage rate is 22,430% on the following (example) conditions:

- loan of €1500,
- fixed interest rate of 19%,
- contract fee of €35,
- repayment period of 5 years,
- number of repayments 60;
- the sum of repayments €2349.35;
- the total cost of the credit €884.35;
- the total sum of the credit €2384.35.

The rate is calculated on the assumption that the amount of credit is being issued immediately and in full.

## Credit line

The annual percentage rate is 22.08% on the following exemplary conditions:

- credit limit €2000;
- fixed interest rate 19%;
- contract fee €35;
- the sum of repayments €3146.41;
- the total cost of the credit €1181.41;
- the total sum of the credit €3181.41.

The rate is calculated on the basis that the loan is used immediately in the full amount and is in use for 5 years.

## Student loan

The initial annual percentage rate of charge is 5.197% under the following sample conditions:

- loan amount €1920;
- fixed interest rate 5% per year;
- agreement fee €0;
- the sum of repayments €1972.40;
- the total cost of the credit €52.40;
- the total sum of the credit €1972.40.

The rate was calculated on the assumption that the loan amount is taken into use immediately and in full, and repaid within one year in twelve equal payments made after equal intervals of time.