Price List - Loans- Effective Date: 24/03/2014

Transcription

1 Price List - Loans- Information on bank charges not covered in the Price List may be obtained from bank staff on request by customer. Unless otherwise stated, interest is calculated on a simple interest basis using the actual/actual days; Bank calculates the effective interest rate on Loans and Deposits based on CBK regulation for effective interest rates and disclosure requirements and it is disclosed in contract between bank and client. The calculation method can be obtained by the bank staff on request by customer. Effective Date: 24/03/2014

2 1. Business Loans (1)(2) 1.1 Very Small Loans Up to 5, % p.a % p.a % p.a % p.a. (1) for Very Small Loans minimum disbursement fee is EUR 20, while above this minimum disbursement fee of 2% shall be applied (2) - AUTOMATIC VERY SMALL LOANS Minimum disbursement fee is EUR 15 while above this minimum disbursement fee of 1% shall be applied. 1.2 Small Business Loans 30,001-50,000 >50,000 Condition for Business Loans 1.3. Express Sales Finance Loan (3) Sale Finance Loan Up to 1,000 1,001-5, % p.a % p.a % p.a. (3) Express Sales Finance Loans - is 2 % (1% to be paid by the client and 1% to be paid by Contract Partner) 1.4. Loans with Variable 13.2% p.a. 12.8% p.a. 13.8% p.a. 20 EUR Very Small Over 60 months 7% + one year WAIR on TDA 2%** Small Over 60 months 7% + one year WAIR on TDA 2%** Medium Over 60 months 6.5% + one year WAIR on TDA 2%** * This range is subject of approval on Branch Level based on Client Performance ** For loans over EUR disbursement fee is 1% Price List for Loans 2

3 2. Home Improvements Loans (HIL) (4) 2.1 Loans with Variable Home Improvement Loan EKO Home Improvement Loan Mortgage Loan a) HIL Up to 14,999 EUR Equal & Over 15,000 EUR Amount Over EUR Over EUR Over EUR months Over 60 months months Over 60 months months Over 60 months 10.9% p.a. 10.4% p.a. 10.4% p.a. 9.9% p.a. b). HIL - incomes from the rent payment through bank account in PCB First time clients Repeated clients Up to 5,000 20,001-50, % p.a % p.a % p.a % p.a % p.a % p.a % p.a % p.a. (4) A standard client will be treated as special if the client has Credit Card, Client Identification Code, SMS notification and e-banking, or OVD, Client Identification Code, SMS notification and e-banking. 2.2 EKO Home Improvement Loans Loan Amount (EUR) Up to 14,999 Equal & Over 15, % p.a. 9.9% p.a. 9.9% p.a. 9.5% p.a. 2.3 Housing (Mortgage) Loans Up to 25,000 EUR Over 25,000 EUR 10% p.a. 9.5% p.a. 9.5% p.a. 9% p.a. Price List for Loans 3

4 3. Agriculture loans (5) Up to 1,000 1,001-5,000 20,001 30,000 30,001 50,000 >50, Agro Partner Loans 24%.00 p.a % p.a % p.a % p.a % p.a % p.a % p.a. 20 EUR Up to 5, % p.a. 30,001-50, % p.a % p.a % p.a % p.a Agro Investment Loans (6) 10,000-20,000 20,001 30,000 30,001 50,000 > 50, % p.a. 13.8% p.a. 13.2% p.a. 12.8% p.a. (6) Automatic Agro Loans - Minimum disbursement fee is EUR 15 while above this minimum, disbursement fee of 1% shall be applied. (5) - Agro Loans and Agro Investment Loans, if repayment plan consists of more than 184 days between disbursement date and first installment, or between two installments, disbursement fee to be charged is same as in pricelist. All these cases are subject of HO approval. 4. Consumer Loans Loan Amount (EUR) 250-5, Private Loans (7,8) Up to 4,999 EUR 5,000 9,999 EUR Equal and above 10,000 EUR (7) Maximum maturity for Private Loans is 60 months Service Fee (payable by contract partner) 11.90% p.a. 12.9% p.a. 12.4% p.a. 11.9% p.a. 2% 11.9% p.a. 11.4% p.a. 10.9% p.a. (8) A standard client will be treated as special if the client has Credit Card, Client Identification Code, SMS notification and e-banking, or OVD, Client Identification Code, SMS notification and e-banking. Price List for Loans 4

5 6. Pro Education Loans (9) Pro Educations Loans 8.90% p.a. (9) Pro Education loans - will be paid by contract partner except for Pro Education loans to students of American University in Kosovo when the disbursement fee will be paid by the student. 7. Cash Covered Loans for Business and Private Clients Up to 12 months Between months Between months Between months 8. Mortgage Loans for Business Clients Service Fee 5.50% p.a. 6.50% p.a. 7.00% p.a. 7.50% p.a. 10,000-20,000 30,001-50,000 50, , % p.a % p.a % p.a % p.a. Price List for Loans 5

6 9. OVD for PI Issuing fee (on approved amount) Cash cover Overdraft 7.30 % p.a OVD for Business Clients (based on credit exposure) EUR ,000 Criterias: Issuing Fee (on approved amount) 9.1. If client's turnover through ProCredit Bank account is less than 50% of OVD amount approved 22% p.a. 1% 9.2. If client's turnover through ProCredit bank account is more than 50% of OVD amount approved 1% EUR 10'001-29,999 Criterias: 9.3. First time Client's 9.4. Repeated Client's EUR 30' ,999 Criterias: 9.5. First time Client's 9.6. Repeated Client's 14.6% p.a Credit Line for Business Clients (based on credit exposure) 20% p.a. Issuing Fee (on approved amount) Issuing Fee (on approved amount) NOTE: For clients that previously had an OVD approved with special IR, no approval will be needed by Business Department if the same IR is applied on a new OVD. Criterias: Up to 10,000 EUR 10,001-29,999 EUR First time clients Repeated clients 30, ,999 EUR First time clients Repeated clients 2 p.a % p.a. Issuing Fee (on approved amount) Unutilized Amount Fee p.a. p.a. p.a. p.a. p.a Eko Business Loans (10) Loan Amount (EUR) Up to 5,000 30,001-50,000 > 50,000 23% p.a. 17.2% p.a. 14.6% p.a. 12.8% p.a. 12.2% p.a. 11.8% p.a. (11) In case of special condition offer, additional decrease of 0.5% for EE Loans to be applied. Price List for Loans 6

7 10.2. Eko Agro Loans (11,12) Up to 5,000 Up to 5,000 30,001-50,000 > 50,000 Loan Amount (EUR) 23% p.a. 18.4% p.a. 14.6% p.a. 12.8% p.a. 12.2% p.a. 11.8% p.a. (11) In case of special condition offer, additional decrease of 0.5% for EE Loans to be applied. (12) If repayment plan consists of more than 184 days between disbursement date and first installment, or between two installments, disbursement fee to be charged is same as in pricelist. All these cases are subject of HO approval. * For all loans, penalty interest applicable is 0.5% per day on the amount due (principal outstanding ) while loan is in arrears. * on OVD in Arrears is 0.10% per day of the amount due. This fee will be applicable only for Business Clients. Acronyms p.a. per annuity (annual interest rate)+a188:l226a180:l226a222a198:l226a173:l226a163:l226a149:l226a126a1:l226 Price List for Loans 7

8 12. Loans in USD - Business Clients s for loans and overdrafts Loan amount (USD) (p.a.) From 10,000 up to 50, % 3-24 months Above 50,000 up to 500, months Overdraft amount (USD) (based on credit exposure) (p.a.) From 10,000 up to 50, % 3-12 months Above 50,000 up to 500, months Credit Line (USD) (based on credit exposure) (USD) (p.a.) Issuing Fee (on approved amount) From 10,000 up to 50, % p.a. p.a months Above 50,000 up to 500,000 1 p.a. p.a months 13. Loans in USD - (Private Clients) Home Improvement Loans Unutilized amount Fee Loan amount (USD) (p.a.) 1,000-50, % 24 months Acronyms p.a. per annual (annually interest rate) Price List for Loans 8