PERSONAL BANKING - Ancoria Bank - 75 000 unsecured personal loans

VALUE OF BASE RATE

PRODUCT CATEGORY

LOAN TERM

(YEARS)

MONTHLY

INSTALMENT

AMOUNT

EURIBOR 6M

AS AT 11/10/2024

100,000

35

� 486

3.047%

100,000

35

� 478

-

100,000

35

� 493

-

�

100,000

35

� 505

2.75%

�

100,000

35

1.95%

�

100,000

35

3.15%

2.60%

�

�

100,000

100,000

25

25

� 604

� 623

INTEREST RATE

TYPE

CUSTOMER'S

CONTRIBUTION

BASE RATE

MARGIN

Floating

�� 35%

EURIBOR 6M

1.65%

�

Floating

�� 35%

BBRH

2.40%

�

Floating

20% - 34%

BBRH

2.65%

�

Floating

20% - 34%

EURIBOR 6M

1.95%

Floating

> 35%

BBRH

Floating

> 35%

EURIBOR 6M

Floating

Floating

> 35%

> 35%

BBRH

EURIBOR 6M

LOAN AMOUNT

TOTAL

INTEREST

APR

INITIAL CHARGES

TOTAL PAYMENT

AMOUNT

-

4.697%

4.80%

�0

� 203,997

2.17%

4.57%

4.67%

�0

� 200,665

2.17%

4.82%

4.93%

�0

� 207,249

3.047%

-

4.997%

5.11%

�0

� 211,969

� 500

-

2.17%

4.92%

5.22%

� 1,080

� 209,910

� 505

3.047%

-

4.997%

5.30%

� 1,080

� 211,969

3.047%

2.17%

-

5.32%

5.647%

5.70%

6.04%

� 1,080

� 1,080

� 181,070

� 186,928

BBRH / BBRC / BBRB

AS AT 14/10/2024

PERSONAL BANKING

HOUSING LOANS*

Primary Housing Loan

Transfer & New

Primary Housing Loan

Transfer & New

Open Market Value > �350,000

(Note 1)

Housing Loans - Secondary/

Holiday Home

(Transfer & New)

Housing Loans - Investment

EXAMPLE

*Housing loan interest rates quoted above, are applicable for loan amounts up to �300,000. For higher amounts a separate interest rate quotation will be provided by the Bank on a case by case basis.

Note 1: The specific product is only available for the financing of Housing loans where the residence is assessed as having an open market value exceeding �350,000.

STUDENT LOANS

Secured

Floating

Floating

-

BBRC

EURIBOR 6M

2.00%

2.75%

EXAMPLE

�

50,000

�

50,000

15

15

� 405

� 417

3.047%

3.37%

-

5.37%

5.797%

5.69%

6.15%

�0

�0

� 72,931

� 74,978

Floating

Floating

Floating

Floating

Floating

Floating

Floating

Floating

Floating

>35%

>35%

20%-35%

20%-35%

>35%

>35%

20%-35%

20%-35%

**LTV �� 65%

BBRC

EURIBOR 6M

BBRC

EURIBOR 6M

BBRC

EURIBOR 6M

BBRC

EURIBOR 6M

BBRH

2.40%

2.55%

2.90%

2.90%

2.90%

2.65%

3.20%

3.15%

2.40%

EXAMPLE

�

30,000

�

30,000

�

30,000

�

30,000

�

30,000

�

30,000

�

30,000

�

30,000

�

75,000

7

7

7

7

7

7

7

7

10

� 435

� 433

� 442

� 438

� 442

� 434

� 447

� 441

� 780

3.047%

3.047%

3.047%

3.047%

-

3.37%

3.37%

3.37%

3.37%

2.17%

5.77%

5.597%

6.27%

5.947%

6.27%

5.697%

6.57%

6.197%

4.57%

6.38%

6.20%

6.91%

6.57%

6.91%

6.30%

7.23%

6.83%

5.18%

� 380

� 380

� 380

� 380

� 380

� 380

� 380

� 380

� 830

� 36,539

� 36,331

� 37,143

� 36,752

� 37,143

� 36,451

� 37,509

� 37,055

� 93,588

Floating

**LTV �� 80%

BBRH

2.65%

�

75,000

10

� 789

-

2.17%

4.82%

5.45%

� 830

� 94,679

Floating

**LTV �� 65%

BBRC

2.80%

�

75,000

10

� 839

-

3.37%

6.17%

6.89%

� 830

� 100,701

ECO LOANS

Eco Electric New Car Loans

Eco Hybrid New Car Loans

Eco Home Improvement Loans Secured by Residential property

Eco Home Improvement Loans Secured by Other property

**The interest rate applicable depends on the ratio of the loan amount requested to the market value of the residential property as valued by an approved valuator of the Bank.

VALUE OF BASE RATE

PRODUCT CATEGORY

INTEREST RATE

TYPE

CUSTOMER'S

CONTRIBUTION

BASE RATE

MARGIN

LOAN AMOUNT

Floating

Floating

Floating

Floating

Floating

Floating

>30%

>30%

20%-30%

20%-30%

>40%

>40%

BBRC

EURIBOR 6M

BBRC

EURIBOR 6M

BBRC

EURIBOR 6M

2.90%

3.15%

3.25%

4.05%

3.70%

5.00%

EXAMPLE

�

20,000

�

20,000

�

20,000

�

20,000

�

20,000

�

20,000

-

-

Floating

-

Term Deposit

rate

BBRC

Floating

-

Floating

Floating

Floating

LOAN TERM

(YEARS)

MONTHLY

INSTALMENT

AMOUNT

EURIBOR 6M

AS AT 11/10/2024

BBRH / BBRC / BBRB

AS AT 14/10/2024

7

7

7

7

7

7

� 295

� 294

� 298

� 303

� 303

� 312

3.047%

3.047%

3.047%

3.37%

3.37%

3.37%

-

TOTAL

INTEREST

APR

INITIAL CHARGES

TOTAL PAYMENT

AMOUNT

6.27%

6.197%

6.62%

7.097%

7.07%

8.047%

6.90%

6.83%

7.28%

7.79%

7.76%

8.82%

� 250

� 250

� 250

� 250

� 250

� 250

� 24,762

� 24,703

� 25,047

� 25,438

� 25,415

� 26,227

� 10,410

PERSONAL BANKING

CAR LOANS

New Car Loans

Used Car Loans

PERSONAL LOANS

Cash Collateral

EXAMPLE

1.00%

�

10,000

8

� 108

-

-

1.00%

1.42%

� 150

7.30%

�

5,000

2

� 233

-

3.37%

10.67%

11.79%

� 25

� 5,601

BBRC

2.35%

�

100,000

15

� 829

-

3.37%

5.72%

6.24%

� 1,080

� 149,214

-

EURIBOR 6M

BBRC

EURIBOR 6M

3.00%

6.35%

7.47%

�

�

�

100,000

10,000

10,000

15

8

8

� 847

� 150

� 155

3.047%

3.047%

3.37%

-

6.047%

9.72%

10.517%

6.59%

10.67%

11.56%

� 1,080

� 150

� 150

� 152,382

� 14,427

� 14,833

CURRENT ACCOUNTS - OVERDRAFTS***

Digital - myOverdr@ft

Floating

-

BBRC

7.30%

3 months

N/A

-

3.37%

10.67%

13.43%

� 25

� 5,160

Salary Account

Floating

-

BBRC

5.70%

�

5,000

3 months

N/A

-

3.37%

9.07%

18.51%

� 100

� 5,214

General

Floating

-

BBRC

7.70%

�

5,000

3 months

N/A

-

3.37%

11.07%

20.84%

� 100

� 5,240

Digital - myLo@n

Secured by Residential Property

Unsecured

EXAMPLE

�

5,000

***Overdraft Interest rate consists of the base rate + the margin. Interest Rate margin is the same for all currencies but the base rate varies based on the currency of the account as follows:

i) BBRC Rate for EUR, ii) BOE Bank rate for GBP, iii) NBP Reference Rate for PLN, iv) Riksbank Repo Rate for SEK, v) BOJ Basic Loan rate for JPY and vi) SNB Mid Target rate for CHF.

The base rates Ancoria Bank may use for a Floating Interest Rate are described in the Rates Definitions on the Bank's Website.

In certain cases, our offer may differ, following our assessment of your personal financial and other circumstances.

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