Personal Banking Interest Rates - Ancoria Bank

[Pages:2]PRODUCT CATEGORY

INTEREST RATE TYPE

CUSTOMER'S CONTRIBUTION

BASE RATE

MARGIN

LOAN AMOUNT

LOAN TERM (YEARS)

MONTHLY INSTALMENT

AMOUNT

VALUE OF BASE RATE

EURIBOR 6M AS AT 07/10/2022

BBRH / BBRC / BBRB AS AT 10/10/2022

ECB AS AT 10/10/2022

TOTAL INTEREST

PERSONAL BANKING

HOUSING LOANS*

EXAMPLE

Floating

Transfer >35% EURIBOR 6M 2.25%

100,000

35

442

1.731%

-

-

Floating

Transfer >35%

BBRH

1.49%

100,000

35

374

-

1.31%

-

Primary Housing Loans

Floating

>35%

EURIBOR 6M 2.25%

100,000

35

442

1.731%

-

-

(Transfer & New)

Floating

>35%

BBRH

1.49%

100,000

35

374

-

1.31%

-

Floating

20%-35%

BBRH

1.59%

100,000

35

379

-

1.31%

-

Floating

20%-35%

EURIBOR 6M 2.35%

100,000

35

448

1.731%

-

-

Housing Loans - Secondary/

Floating

>35%

BBRH

1.49%

100,000

35

374

-

1.31%

-

Holiday Home

(Transfer & New)

Floating

>35%

EURIBOR 6M 2.35%

100,000

35

448

1.731%

-

-

Housing Loans - Investment

Floating Floating

>35% >35%

BBRH EURIBOR 6M

2.09% 3.10%

100,000

25

100,000

25

495 575

1.731%

1.31% -

-

*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.

STUDENT LOANS Secured

Unsecured

EXAMPLE

Floating

-

BBRC

0.94%

50,000

15

354

-

2.41%

-

Floating

-

EURIBOR 6M 3.32%

50,000

15

397

1.731%

-

-

Floating

-

BBRC

1.74%

10,000

10

102

-

2.41%

-

Floating

-

EURIBOR 6M 4.32%

10,000

10

111

1.731%

-

-

ECO LOANS

EXAMPLE

Floating

>35%

BBRC

1.39%

30,000

7

407

-

2.41%

-

Eco Electric New Car Loans

Floating Floating

>35% 20%-35%

EURIBOR 6M BBRC

3.25% 2.14%

30,000

7

30,000

7

424 418

1.731% -

2.41%

-

Floating

20%-35%

EURIBOR 6M 3.60%

30,000

7

429

1.731%

-

-

Floating

>35%

BBRC

1.39%

30,000

7

407

-

2.41%

-

Eco Hybrid New Car Loans

Floating Floating

>35% 20%-35%

EURIBOR 6M BBRC

3.35% 2.14%

30,000

7

30,000

7

425 418

1.731% -

2.41%

-

Floating

20%-35%

EURIBOR 6M 3.85%

30,000

7

432

1.731%

-

-

Eco Home Improvement Loans -

Floating

**LTV 65%

BBRH

1.49%

75,000

10

717

-

1.31%

-

Secured by Residential property

Floating

**LTV 80%

BBRH

1.59%

75,000

10

721

-

1.31%

-

Eco Home Improvement Loans Secured by Other property

Floating

**LTV 65%

BBRC

2.09%

75,000

10

777

-

2.41%

-

**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.

3.981% 2.80% 3.981% 2.80% 2.90% 4.081% 2.80%

4.081% 3.40% 4.831%

3.35% 5.051% 4.15% 6.051%

3.80% 4.981% 4.55% 5.331% 3.80% 5.081% 4.55% 5.581% 2.80% 2.90%

4.50%

APR

INITIAL CHARGES

TOTAL PAYMENT AMOUNT

4.06% 2.84% 4.14% 2.92% 3.02% 4.25%

2.99%

4.33%

3.67% 5.18%

0 0 0 0 0 0

1,080

1,080

1,080 1,080

185,569 157,042 186,713 158,187 160,505 189,240

159,267

190,320

150,857 174,731

3.58% 5.36% 4.25% 6.25%

4.30% 5.54% 5.09% 5.91% 4.30% 5.65% 5.09% 6.18% 3.33% 3.43%

5.11%

0 0 0 0

380 380 380 380 380 380 380 380 830 830

830

64,270 72,009 12,247 13,366

34,638 36,020 35,512 36,436 34,638 36,139 35,512 36,735 87,783 88,197

94,987

PRODUCT CATEGORY

INTEREST RATE TYPE

CUSTOMER'S CONTRIBUTION

BASE RATE

MARGIN

LOAN AMOUNT

LOAN TERM (YEARS)

MONTHLY INSTALMENT

AMOUNT

VALUE OF BASE RATE

EURIBOR 6M AS AT 07/10/2022

BBRH / BBRC / BBRB AS AT 10/10/2022

ECB AS AT 10/10/2022

PERSONAL BANKING

CAR LOANS New Car Loans

Used Car Loans

Floating Floating Floating Floating Floating Floating Floating Floating

PERSONAL LOANS

Cash Collateral

-

Digital - myLo@n Secured by Residential Property Secured by Other Property Secured Unsecured

Floating

Floating

Floating Floating Floating Floating Floating Floating Floating

CURRENT ACCOUNTS - OVERDRAFTS***

Digital - myOverdr@ft

Floating

Salary Account

-

Non Residents

-

General

-

>30% >30% 20%-30% 20%-30% >40% >40% 20%-40% 20%-40%

-

-

-

BBRC EURIBOR 6M

BBRC EURIBOR 6M

BBRC EURIBOR 6M

BBRC EURIBOR 6M

1.71% 4.12% 2.51% 4.92% 2.71% 5.12% 3.71% 6.12%

6 month Term Deposit rate

BBRC

BBRC

EURIBOR 6M BBRC

EURIBOR 6M BBRC

EURIBOR 6M BBRC

EURIBOR 6M

1.00%

7.58%

1.09%

3.50% 2.59% 5.00% 4.01% 6.42% 5.06% 7.47%

BBRC ECB RATE** ECB RATE** ECB RATE**

7.58% 5.50% 8.00% 7.00%

EXAMPLE

20,000

7

20,000

7

20,000

7

20,000

7

20,000

7

20,000

7

20,000

7

20,000

7

EXAMPLE

10,000

8

5,000

2

100,000

15

100,000

15

100,000

15

100,000

15

30,000

8

30,000

8

10,000

8

10,000

8

EXAMPLE

5,000

5,000

5,000

5,000

3 months 3 months 3 months 3 months

275 291 282 299 284 300 293 310

108

231 715 803 791 884 400 427 139 148

N/A N/A N/A N/A

1.731%

1.731%

1.731%

1.731%

-

1.731% 1.731% 1.731% 1.731%

-

2.41% -

2.41% -

2.41% -

2.41% -

-

2.41% 2.41%

2.41%

2.41%

2.41%

-

2.41% -

***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) ECB 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.

-

-

-

1.25% 1.25% 1.25%

TOTAL INTEREST

4.12% 5.851% 4.92% 6.651% 5.12% 6.851% 6.12% 7.851%

1.00% 9.99% 3.50% 5.231% 5.00% 6.731% 6.42% 8.151% 7.47% 9.201%

9.99% 6.75% 9.25% 8.25%

APR

INITIAL CHARGES

TOTAL PAYMENT AMOUNT

4.63% 6.46% 5.47% 7.31% 5.68% 7.53% 6.74% 8.61%

1.42%

11.03% 3.90% 5.72% 5.48% 7.33% 7.02% 8.89% 8.21% 10.10%

12.59% 15.85% 18.72% 17.56%

250 250 250 250 250 250 250 250

150

25 1,080 1,080 1,080 1,080 380 380 150 150

25 100 100 100

23,335 24,702 23,960 25,350 24,118 25,513 24,918 26,341

10,570

5,563 130,937 146,790 144,613 161,379 38,866 41,365 13,477 14,329

5,151 5,185 5,217 5,204

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download