The rate specified as the annual cost rate is the effective annual interest rate, and does not include the insurance premium. The total cost of the loan consists of the sum of loan installments and the allocation fee. 10% BITT is included in the allocation fee. The installment amounts and the payment plan have been calculated according to the equal monthly installment loan option. A conclusive approval will be granted for the loan applications, provided that no negative factors are found upon the final evaluation that will be conducted at our bank. Interest rates may vary according to the fees, the loan amount requested, and the market conditions. Our bank reserves the right to make changes in the interest rate, fee amounts, the term, and the campaign dates, and the terms and conditions.

The rate specified as the annual cost rate is the effective annual interest rate, and does not include the insurance premium. The total cost of the loan consists of the sum of loan installments and the allocation fee. The allocation fee is 0,5% of the loan amount, and 10% BITT is included in the allocation fee. The installment amounts and the payment plan have been calculated according to the equal monthly installment loan option. A conclusive approval will be granted for the loan applications, provided that no negative factors are found upon the final evaluation that will be conducted at our bank. Interest rates may vary according to the fees, the loan amount requested, and the market conditions. Our bank reserves the right to make changes in the interest rate, fee amounts, the term, and the campaign dates, and the terms and conditions.

*Annual cost rate is the rate expressed as effective annual interest rate that includes all the taxes, the insurance premium is not included in the calculation. The insurance premium may vary according to the loan amount, age, gender, and collateral.

*The interest rates and fee amounts specified until the loan issuance date may vary according to the loan amount requested, term, and market conditions. Our Bank reserves the right to change the interest rate, fee amounts and the term.

*The credit allocation fee is approximately 0.5% of the loan amount, and 10% BITT (Banking and Insurance Transactions Tax) is included in the allocation fee.

*For personal-purpose auto loans requested by individual customers and sole (individual) proprietorships, the maximum crediting rate is 70% for vehicles worth EUR 400,000 and below; 50% for vehicles worth EUR 400,000 to 800,000; 30% for vehicles worth EUR 800,000 to 1,200,000; 20% for vehicles worth EUR 1,200,000 to 2,000,000.

*In personal-purpose credit, maximum maturity is 48 months for vehicles worth EUR 400,000 and below; 36 months for vehicles worth EUR 400,001 - 800,000; 24 months for vehicles worth EUR 800,001 - 1,200,000; and 12 months for vehicles worth EUR 1,200,001 - 2,000,000.

*The rate referred to as the annual cost rate is the effective annual interest rate, and insurance expenses are excluded. Insurance premiums may vary according to loan amount, borrower's age and sex, and insurance cover.
Specified interest rates and loan-related fees may vary depending on loan amount requested, term, and market conditions up until the date of first drawdown. Our bank reserves the right to change the interest rate, loan-related fees, and maturity.

*Pledge fee is EUR 75.35, and 10% BITT (Banking and Insurance Transactions Tax) is not included.