The calculator results are preliminary. The exact financing terms are determined individually and depend on the assessment of the customer's creditworthiness.

Representative example of the total cost of a housing loan

If you take out a loan of EUR 90,000 secured by real estate for a term of 30 years, with a variable annual interest rate of 4.2%, using the annuity repayment method, and pay a one-off agreement administration fee of EUR 360, the annual percentage rate of charge (APR) would be 4.29%, and the total amount payable by you would be EUR 158,801.57. The total number of loan repayments would be 360, and the monthly instalment amount would be EUR 440.12.

The annual percentage rate of charge is calculated based on the following assumptions: (I) the credit agreement remains valid for the entire agreed term and its conditions are not changed; (II) the loan is disbursed in full and immediately; (III) the parties fulfil their obligations in accordance with the terms and deadlines set out in the credit agreement; (IV) the interest rate specified in this example applies throughout the entire term of the credit agreement and, including any other amounts payable, remains unchanged from the date of conclusion of the credit agreement until its expiry; (V) no payment holiday or deferment period applies; and (VI) the loan is not repaid early. Costs unknown to the Bank are not included in the representative APR calculation.

The obligation to repay the loan is secured by a mortgage on real estate.

Failure to comply with, or improper compliance with, the terms of the credit agreement may result in the loss of ownership rights to the mortgaged real estate.