Why refinance at UniCredit Bank
- Low interest rates
- Now without any fee
- No need to document your income
- Acceptance of original price estimate of the real estate
- Payment protection insurance with possibility to choose insurance risk
Representative example: Would you like to take out a mortgage of EUR 60,000 and be confident during repayment? The Bank will also lend you for the fee for inclusion in the insurance of the ability to repay the loan for the first 5 years in the amount of EUR 1,800. The total amount of the loan is EUR 61,800, with a repayment period of 25 years and a 3-year fixed rate of 0.69 % p.a.*
The amount of the monthly instalment with loan insurance is EUR 224.34, the number of monthly instalments is 301, of which the first instalment is only an interest instalment of EUR 35.54, the monthly fee for provision of the loan is EUR 0, the monthly fee for the U Konto account keeping is EUR 8**. The fee for registration of the pledge over the property with the land register is EUR 66. The annual percentage rate of charge is 1.25 %. The total amount you have to pay is EUR 69,811.54. The total sum does not include the fee for insurance of the property.
* The interest rate applies to loans up to 80 % of the loan’s collateral value, provided the Client meets the conditions for creation of the insurance of the ability to repay the loan, takes out the insurance of the ability to repay the loan, and credits his/her U Konto account with at least 1.5 times the current amount of the instalment on a regular basis. In that case, the Client shall be reimbursed the costs of appraisal of the property - up to EUR 150 for flats and up to EUR 210 for detached houses.
** The monthly fee for the U Konto account keeping is EUR 0, provided the Client credits such account with income of at least EUR 400 on a monthly basis.