What is the interest rate?
The interest rate is the main element based on which the interest is calculated. It is expressed as a percentage, annually. For example, an interest rate ...
Is it possible to refinance a loan taken through New House or First House?
The holder of such a loan has a prohibition on alienation and encumbrance for the first 5 years. After the expiration of this period, with prior obtaining of ...
During the loan term, can the variable interest rate be changed?
Yes. The current variable interest rate level can change depending on the evolution of the reference index*:➤⠀IRCC;➤⠀ROBOR; ➤⠀EURIBOR; ➤⠀LIBOR.* If you want to ...
How to choose the loan currency?
This choice is a very important one, to expose yourself as little as possible or not at all to currency risk. To ensure that you will not be exposed to these ...
What does the grace period of a credit card represent and what costs are paid by the client during this period?
Grace period is the time interval during which you do not pay the credit institution the installments. ⏳The only payments you make during this period are ...
How long does it take to grant a loan for SMEs?
If you are interested in a quick loan in the form of a line of credit or medium-term loan, with repayment in installments, we offer you an answer in about 3 ...
What is a "personal needs loan"?
Personal loan is a loan you get from the bank when you want to make a purchase, but you don't have enough money. ...
What does "pre-financial approval" mean?
Pre-approval is when you want to apply for a mortgage loan for your new home and you bring your income documents to us. ...
What was the evolution of ROBOR?
Over time, there have been periods when ROBOR has decreased and periods when it has increased. 😊 You can find more here about the ROBOR evolution in the last ...
If I took a loan, can I cancel the contract in case I changed my mind?
Yes, you have a period of 14 calendar days from the date of conclusion of the credit contract during which you can withdraw from the credit contract ...
Is there an early repayment commission for the New Home and Real Estate-Mortgage loans?
In the case of loans for real estate purchases, the early repayment fee is ZERO. To repay the loan early you only need to come to ...
What is the maximum age for a second-hand car acceptable for financing through leasing?
When it comes to leasing, it is good to know that we accept the purchase of cars only from new and used car dealers both from the country and from ...