Citadele offers

¹ The initial annual percentage rate is 8.03% on the following sample: amount of credit 5000 EUR, interest rate 6.9% per year (fixed rate), contract fee 100 EUR, period 60 months, monthly payments 98.78 EUR, total amount of repayment 6026.10 EUR.

² The annual percentage rate is 5.14% on the following example conditions: purchase amount 49 000 EUR (with VAT); down payment 10%; residual value 30%; the sum of the credit 44 100 EUR (with VAT); contract period 72 months; number of repayments 73; contract fee 250 EUR; floating interest rate 1.49% per annum + 3 months' Euribor (30.09.2024 3-month Euribor rate was 3.279%); the total sum of the credit 41 827.04 EUR. A motor third party liability insurance contract and CASCO insurance contract need to be concluded.

³ The initial annual percentage rate is 5.70% on the following sample: loan amount 120 000 EUR, floating interest rate 5.462% per year (margin 1.55% + six-month Euribor 3.912% on 05.01.2024), contract fee 1200 EUR, period 360 months, number of repayments 360, monthly payments 678.49 EUR, amount of repayments 244 254.98 EUR, total amount 245 454.98 EUR, repayment in monthly annuity payments. The loan is to be secured by mortgage and the collateral is to be insured. The insurance premium depends on the size of the housing and the insurer. The mortgage and insurance costs have not been taken into account in this annual percentage rate calculation.

⁴ Based on invoices after the notary transaction, but not exceeding 800 EUR per loan application. In making the loan decision, each client is analyzed individually. The offer is valid for loan applications submitted from October 1 to December 31, 2024. The offer is valid if the client (the borrower and co-borrower) uses the home bank services at Citadele after signing the agreement. The initial annual percentage rate is 5.42% on the following sample: loan amount 120 000 EUR, floating interest rate 5.197% per year (margin 1.8% + six-month Euribor 3.397% on 06.08.2024), contract fee 1200 EUR, period 360 months, number of repayments 360, monthly payments 658.72 EUR, amount of repayments 237 130.98 EUR, total amount 238 330.98 EUR, repayment in monthly annuity payments. The loan is to be secured by mortgage and the collateral is to be insured. The mortgage and insurance costs have not been taken into account in this annual percentage rate calculation.