Idea Loan

Spring Offer for Idea Loan

Spring Offer for Idea Loan

  • The bank interest rate from 2.05% to 2.25% per year* + Euribor
  • 3-, 6- and 12-month Euribor is available
  • 50% discount on the loan agreement fee

*Is applied depending on customer’s profile and loan amount

The offer is valid for the loan applications submitted from 20.03.2023 to 02.04.2023 if the agreement is signed within 3 months after the application is submitted.

Idea loan benefits

  • Loan for implementation of an idea by pledging one’s own real estate
  • Long repayment term – up to 20 years
  • Maximum loan amount up to 70% from your real estate market value
  • Repair, renovate or overhaul an existing property without reports and cash monitoring
  • Acquire another property, e.g. country house, summer cabin or land

The path to your new home

Fill in the application and submit documents online

Receive a call from our advisor to guide you through the next steps

Get a loan offer and introduction to the loan details in a call with our advisor

Sign loan agreement remotely

As soon as transaction will be registered in land register, we will transfer money to your account

Requirements to apply

  • You are at least 21 years old
  • You have a regular monthly income of at least EUR 560
  • You have a combined monthly income of at least EUR 965 if you apply with a guarantor and you don’t have any dependents

Documents to apply

Your property gives you new possibilities!

See our other products

For renovation and property acquisition

Learn more

Consumer Loan

Learn more

Housing Loan

Learn more
Idea loan: representative examples

Loan amount Loan repayment term Loan agreement fee Bank annual interest rate of 2.05% + 3-month Euribor* Minimum monthly account maintenance fee Monthly instalment Total repayment amount Mortgage registration in the land register Annual percentage rate (APR)
€ 40 000 10 years € 200 5.02 % € 1.30 € 429.79 € 51 931.26 € 55 5.57 %
The displayed result is informative and based on the approximate calculation.
* A variable 3-month Euribor rate of 2.97 % per year, effective as at 10 March 2023, is used in the calculation. The fixed part of the rate is indicated for information only and may vary from case to case.