Loan Terms:
- Maximum loan amount: 180.000 EUR
- Loan maturity: 180 months
- Client participation: 20% – minimum 5.000EUR
- Administrative fee: 0.50%
Interest rate:
For BKT salary receivers:
- Interest rate starting from 3.49%
- Effective interest rate starting from 3.62%
For rent receivers through Bank, business owners and non-payers of other banks:
- Interest rate starting from 3.99%
- Effective interest rate starting from 4.14%
For diaspora:
- Interest rate starting from 5.49%
- Effective interest rate starting from 5.74%
Examples and explanations:
| Home loan | 180.000EUR | 180.000EUR | 180.000EUR |
| Variable interest rate | 3.49% | 3.99% | 5.49% |
| Effective interest rate | 3.62% | 4.14% | 5.74% |
| Loan Maturity | 180 | 180 | 120 |
| Monthly payment | 1,286.22€ | 1,330.90€ | 1,953.10€ |
| Administrative fee | 0.50% | 0.50% | 0.50% |
| Total loan amount to be repaid by the end of the contractual term* | 231,518.74€ | 239,561.99€ | 234,378.90€ |
*Variable interest rate means the interest rate expressed as a variable percentage applied on an annual basis to the approved loan amount.
*The total cost does not include notary costs, insurance, property valuation and utility costs.
