Cut your interest rate

from 11,08 % p.a. to 3,89 % p.a. truly for everyone.

Everyone can save money with an interest rate of only 3.89 % p. a.

  • Transfer your loans to our bank and save money

  • No unnecessary paperwork

  • Flexible repayment – choose the date of your payment

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How to take out a PRESTO Loan?

We will call you

Over the phone, we will arrange a meeting with you at our nearest branch.

You will come to the branch, bringing the required documents

You will need your ID card, proof of income or account statements, or your tax return for the previous calendar year.

We will prepare the PRESTO Loan Refinancing Application with you

If your application is approved, we will prepare the loan in accordance with your own need; sign the PRESTO Loan Refinancing Contract and send the money to your account.

You might want to know

Important information related to taking out a PRESTO Loan

Reward for due repayment

úrok jen 3,89% p.a.

Everyone can save money with an interest rate of only 3.89 % p.a. for due repayment.

Subject to conditions, you will recieve a reward for due repayment. Due repayment of loan delivers attractive saving.  

 

  months
repayment period subject to due repayment
 		 60    72   
repayment period without due repayment 76    96   

 

What to do get a reward?

  • Take out a PRESTO Loan with repayment periods of 60 or 72 months
  • Repay the loan in a due manner
  • Don´t repay the entire loan or part thereof early

 

It is easy to fulfil the conditions for getting the reward

To get the reward, the following conditions must be complied with:

  • Regular repayment of loan with no early repayment
  • No payment default for more than 29 days
  • Payment default of 6-29 days no more than 3 times (i. e. also in the case of a 5-day default of every instalment, the reward will be yours)

 

Loan Parameters
  • Loan Amount from EUR 650 up to 40 000 EUR
  • Attractive interest rate of 3,89 % p.a. for due repayment really for EVERYONE
  • Optional repayment period of 12 to 120 months
Why take out a PRESTO Loan and who is the product intended for?
  • Reward for due repayment.
  • You can choose the date and amount of your payment.
  • Any paperwork, including communication with former creditors, will be handled for you.
  • Insurance against the inability to pay with a choice of insured risk.
  • One single visit to the bank is all you need to take out a loan.
  • Drawdown directly to your account immediately upon signing the contract.

Who the product is intended for

  • If you are over 18, residing and receiving income in the Slovak Republic, not in a probationary or notice period, and with telephone contact details, then nothing stands in the way of you applying for a loan.   
Insurance of the Ability to Repay

Do you know how you would repay your PRESTO Loan if you fell ill or lost your job? Insurance on the ability to pay is one solution.

 

What do you get?

  • Lower price than that of individual life insurance policies
  • Discount on the interest rate

Product parameters

  • One-off paid insurance on the ability to repay your loan protects you in the event of distressing circumstances such as the loss of your regular income and, subsequently, the ability to pay your liabilities arising from the PRESTO Loan agreement
  • Only applicable to new loans

Who is the product intended for?

For all PRESTO Loan applicants who meet the following conditions:

  • younger than 60 years of age
  • healthy
  • not retired or retired due to disability
  • not in regular medical care or under regular medical supervision as a result of established chronic illness with the permanent use of medicines (no diabetes, but may have e.g. allergies)
  • not incapacitated for work

If at risk of involuntary loss of a job, the client shall also meet the following conditions:

  • employed for an indefinite period of time
  • has been employed continuously in the previous 12 months and is not a probationer
  • has not given or received notice of termination of employment, has not immediately terminated employment with employer, has not received a proposal from employer to terminate the employment contract by agreement or sent the same to said employer
  • insurance only for new loans

What are the benefits for the client?

  • protecting the client and his/her family
  • possibility of insurance against the risk of loss of a job
  • no medical examinations
  • fast and simple conclusion of a policy, clients need only agree with the Framework Insurance Policy and the General Insurance Terms and Conditions

What documents need to be presented?

  • ID card

Where can the product be acquired?

  • at any UCB branch

Other information about the product is available:

  • via Online Banking (for UCB clients using this service)

 

FAQ and useful documents

What fees will I pay?

  • 50 EUR for arranging the loan

Do I need a co-applicant?

For loans over EUR 10,000 we may require a co-applicant. In the case of BSM (non-share co-ownership of spouses), it is always necessary to sign the affidavit of the other spouse, unless he or she is already the co-applicant of the loan.

Why should I take out insurance against the inability to pay?

Insurance protects you in the event of unexpected life situations, such as long-term hospitalisation, loss of job, etc.

Useful documents

 

 

Representative example: I want to borrow EUR 10,000. The total loan amount including the EUR 50 commitment fee is EUR 10,050, with a 76-month repayment period (subject to non-compliance with the due repayment conditions) and an 11.08 % p.a. fixed interest rate. The monthly instalment amounts to EUR 184.60, the number of monthly instalments is 76, of which the last instalment amounts to EUR 190.86. The annual percentage rate (APR) is 11.84 % (subject to non-compliance with the due repayment conditions).

The total amount you will repay is EUR 14,035.86. Owing to due repayment, you will receive a reward in the form of payment amounting to the loan principal balance after the payment of the 60th instalment; thus, the loan repayment period will only be 60 months, with a 3.89 % p.a. interest rate, 4.79 % APR and the total amount paid by the consumer will be EUR 11,076.00. The amount of the monthly instalment and of the commitment fee does not change. More detailed conditions concerning the reward are available in the loan agreement.

The reward for due loan repayment in the form of early repayment of the loan by the Bank only applies to PRESTO Loans – Loan Transfer, with a 76- or 96-month repayment period (early payment by the Bank after payment of the 60th or 72nd loan instalment), provided the client does not use his/her right to early repayment of the loan or part thereof and provided the client is not late in fulfilling his/her obligation under the agreement for more than 29 calendar days and the delay in fulfilling the obligation under the agreement of 6 to 29 calendar days occurs no more than three times for the duration of the credit relationship.

This notification is for informational purposes only and does not constitute a proposal for the conclusion of a contract. Potential conclusion of a contract is subject to obtaining the required internal approval and to signing the relevant documents.

 

 

 

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