The Bank approves its Limit for natural persons who receive their earnings in the accounts opened in Zapad Banka. The earnings shall be deemed as an average net salary/pension that a person has received during previous three months prior to submitting the request.

Amount in EUR:

up to 3 average monthly salaries (pensions)
 

Repayment period:

24 months
 

Nominal interest rate on annual basis:

8,97% to 13,97% depending on the category of the Client and Client’s creditworthiness.
 

Loan approval Fee:

from 0,10% (min. EUR 5,00) to 2,50% depending on the category of the Client and Client’s creditworthiness.
 

Manner of repayment:

On maturity date
 

Fee for early partial loan repayment or closure of the total loan as a lump sum settlement:

The fee is not envisaged.
 

Security interests:
Garnishment and/or standing order for disposal with the funds at the transaction account. 2 (two) bills of exchange with draft authorization

  • ID card photocopy
  • Request for loan
  • Confirmation statement of employment and earnings amount
  • Consent for making inquiry in Regulatory Credit Registry
  • The bill of exchange and bill of exchange authorization issued by a Client
  • Attachment of earning (optional) 
  • Statement on severance payment (optional)    
  • Pension check (optional)
  • Life insurance policy (optional)