Drafting and completion of loan documents
Fee
Loan agreement fee0.50% of the loan amount, but not less than EUR 150
Mortgage Loan Agreement Amendment
Fee
Loan agreement amendment fee0.50% of the loan amount, but not less than EUR 150

*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).

Early loan repayment if interest rate is floating
Fee
If the credit agreement is made after 01 07 2017free of charge
If the credit agreement is made before 01 07 2017Fee set in the credit agreement
Early loan repayment if interest rate is fixed for longer than 12-month term
Fee
Compensation of bank's locces occurred due to early loan repaymentThe fee is calculated according to the formula*
If in the credit agreement another fee has been setThis 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.

The commitment fee for the unused part of the loan
Fee
If the loan interest rate is floating and the purpose of the loan is to purchase and/or fit-out Housing0.40% of unused part of the loan
In case the interest rate is floating and the purpose of the loan is construction or reconstruction of Housing 1% of unused part of the loan
In case the interest rate is variable and the purpose of the loan is purchasing of a land plot and construction of a residential house1% of unused part of the loan
If the loan interest rate is fixed for longer than 12-month term2.5% of unused part of the loan
Note delivery
Fee
The note for re-pledge assets to another credit institutionEUR 150
The fee for the issue of permits / approvals related to the pledged propertyEUR 30
Additional fee for the note on customer's request, issued during not more than 3 working daysEUR 15
Issue of copies of agreements or other documentsEUR 6 per agreement

Notes being issued during period up to 10 days