|Fee for drafting and completion of credit documents||0.60% of the loan amount, but not less than EUR 220|
|Fee for Private Credit agreement amendment*||0.60% of the loan amount, but not less than EUR 220|
*In case the interest rate under the agreement is fixed for longer than 12-month term and its validity is terminated as a result of changing the terms and conditions of the agreement, then an additional fee is applied which is equal to the early repayment fee applied to loans with interest rate fixed for longer than 12-month term (see “Early repayment fee”). In such cases, the calculation of the fee is based on the loan amount with the changed terms and conditions but not on the pre-paid loan amount.
The validity of the interest rate fixed for longer than 12-month term is considered to be terminated in the following cases:
- the interest rate fixed for longer than 12-month term is changed into the interest rate changed on a 3, 6 or 12 month basis;
- the interest rate fixed for longer than 12-month term is changed into a lower interest rate fixed for longer than 12-month term;
- the loan currency is changed;
- the effective period of the interest rate fixed for longer than 12-month term is shortened;
- the loan amount provided by the agreement is reduced (or the entire loan amount is not drawn-down).
|If the credit agreement is made after 01 07 2017||free of charge|
|If the credit agreement is made before 01 07 2017||Fee set in the credit agreement|
|Compensation of bank's locces occurred due to early loan repayment||The fee is calculated according to the formula*|
|If in the credit agreement another fee has been set||This fee is calculated in accordance with the credit agreement. Bank losses (if any compensation for losses is provided in the agreement) shall be calculated according to the formula *.|
*The fee is calculated by the Bank losses due to early repayment.
The fee is calculated according to the formula: I = (ratio K * P),
where I – early repaument fee;
P – loan amount being repaid early;
Ratio K – value calculated by the bank which depends on the financial market interest rates change, the rest of the period to a fixed rate expiry of the credit agreement and the final repayment date.
Ratio K can be calculated using dedicated calculator on Bank's website.
|If the credit interest rate is floating||0.50% of unused part of the credit|
|If the loan interest rate is fixed for longer than 12-month term||2.50% of unused part of the credit|
|The note for re-pledge assets to another credit institution||EUR 150|
|The fee for the issue of permits / approvals related to the pledged property||EUR 30|
|Additional fee for the note on customer's request, issued during not more than 3 working days||EUR 15|
|Issue of copies of agreements or other documents||EUR 6 per agreement|
Notes being issued during period up to 10 days.