Consumer Loans (from 2016-11-01)

	Fee
Fee for drafting and completion of loan documents	Fee 1% of the loan amount, but not less than EUR 24.63
Fee for drafting and completion of loan documents, if loan has ERGO Skėtis insurance	Fee 0.5 % of the loan amount, but not less than EUR 21.72
ERGO Skėtis insurance payment	Fee Applied individually

The total cost of consumer credit APR calculating example:
If you receive a 3 000 EUR loan over a 5 year period, the total amount of your payment is EUR 3933.08, monthly payment – EUR 65.31, and the total annual percentage rate - 11.70 %.
These calculations are carried out under the following assumptions:
annual interest rate – 8 %, the loan is repaid with annuity method, the credit agreement fee is 30 EUR, minimal bank servicing fee – EUR 0,80 /month.

	Fee
If loan ammount up to EUR 8688.60	Fee EUR 28.96
If loan ammount exceeds EUR 8688.60	Fee EUR 57.92
If loan has ERGO Skėtis insurance	Fee 0.5 % of the loan amount, but not less than EUR 21.72