The calculation is for informational purposes only and is not binding on the Bank.
It is based on the assumption that the variable interest rate does not change over the selected period. Due to the rise in the variable interest rate, as a result of the increase in EURIBOR, the total repayment amount and, consequently, the monthly annuity can increase significantly. If EURIBOR is a negative number, EURIBOR is considered to be zero (0). EURIBOR 0 is used in the calculation.
EOM includes interest and credit approval costs. EOM does not include any notarial costs, the costs of mortgage entry in the land register and the costs of ancillary services, since they depend on conditions that cannot be uniquely defined at the time of information calculation (eg. management fee depends on the type of current account). EOM changes if any of the data used in the calculation changes. EOM is calculated under the assumption that the loan is disbursed when the loan is transferred to repayment. In order to receive the offer under the conditions shown in the tab"With salary transfer", it is necessary to open a current account at Banca Intesa Sanpaolo d.d. and transfer regular income. Loan is also available without opening a current account and transferring regular income, but in this case the loan interest rate may be higher, see "Without salary transfer" tab.
* Fast consumer loans are generally with a repayment period of up to 84 months. Loans with a repayment period of 85 to 120 months are approved to a limited extent.