In reality though, we all experience times when
we need a little financial breathing space and flexibility.
That's where Unbroken Visa Credit Card comes in, offering you an
interest-free current account overdraft up to 2000 eur and
overdraft facilities above this amount at competitive rates.
You will be required to use a PIN with this
credit card in order to pay for goods
and services over the counter in shops and
other outlets
It’s a Cashless payment card Forget having to find cash for smaller purchases. OneTouch
payments
allows you to make purchases
and under in an instant wherever you see the ‘wave
symbol’
Identity Protection Service - advice
about protecting yourself from identity theft
Safer shopping with Fraud Protection
including Chip and PIN and monitoring
your account for unusual spending
Purchase Delivery Protection against
loss or damage to
online, phone or mail orders from despatch to door
(second-hand goods and services excluded)
Emergency help when travelling abroad
Great holiday ,building materials ,shopping and transport
deals.
Emergency cash advance and credit card replacement
service
Important Information
Unbroken Visa reserves the right to withdraw this offer at any
time.
Terms and Conditions apply. Unbroken Visa is subject
to application and status.
This offer is only available to new customers.
You will be required to use a PIN with this credit card in
order to pay for goods
and services over the counter in shops and other outlets
Building renovation loan can be used to
finance various construction and renovation works, and the expert
analysis and design costs associated with such works. Energy
efficient apartment buildings save energy as well as money for
the people living in the buildings when it gets cold outside
Building loan offered in cooperation with unbroken
support of up to 35% of the project cost as self-financing
Small agreement fee
Lower interest than on ordinary loans
Long loan period of up to 20 years
For Building renovation loan:
minutes of the meeting of the association/apartment
owners regarding taking the loan pursuant to
Unbroken Group
certificate from the construction register or a
statement from the land register regarding the
apartments’ owners;
short description, budget and schedule of the
renovation work;
articles of association of the apartment
association;
registry card statement of non-profit
associations and foundations register;
if the apartment association is not a client of
Unbroken Group, then account statement .
Enclose the energy audit, energy expenditure report,
reconstruction budget, designs, planning permission and
financial information with the application.
If the renovation work of the building does not
provide energy consumption complying with the terms and
conditions of Unbroken renovation loan or you wish to do
additional non-eligible work, you can apply for a loan on
the following conditions.
Loan amount:
Minimum amount 18000 euros, maximum amount
depending on the apartment building’s solvency.
Self-financing:
10%. Self-financing may be renovation work
performed within two preceding years from own
funds.
Payouts:
The loan is paid out on the basis of invoices
and work delivery certificates.
Repayment:
Monthly repayment on the basis of a payment
schedule for up to 15 -20years.
Grace period:
A grace period of 12 -64 months is possible
during the renovation works.
Interest:
6-month EURIBOR plus the risk margin.
Service charges:
Agreement fee of at least 2700.- euros, up to
1% of the loan amount.
Collateral:
Mortgages or sureties of apartment owners are
not required to secure the loan. The loan is
secured with the apartment association’s claims
against its members regarding payment of
management fees.
The bank enters into a guarantee agreement with
the Unbroken
Foundation to secure riskier apartment building
loans. Guarantee fees are added to the loan fees
in such a case.
We offer you and your family a home loan for the
purchase, construction or renovation of a home or summer
house.
Home loan contract enables you to conclude loan
protection coverage. This protects you in the event of
unemployment, incapacity for work and severe health
impairment and in case of death due to illness or
accident.
Conditions
Loan amount
Starting from EUR 27,000.
Sum of loan may
amount to 85% of the market value of housing,
established as security. When using the guarantee
of Unbroken Group , the sum of loan may amount to
90% of collateral value.
Total loan and lease payments may amount to 30-50%
of your net income. The percentage depends on
your income and number of dependants.
Currency
The currency of home loan is euro.
Interest rate
Interest rate of a home loan is related to 1,3,6
or 12 month Euribor. Euribor is an European Interbank
Offered Rate.
Upon request, you may fix the
home loan interest also for a longer term.
A home loan with fixed interest rate
provides assurance that the loan payments do not
change over the period. You can obtain further
information about fixing the interest from your
private client executive.
Loan term
You can take a home loan for the maximum term
of 40 years provided, that the entire loan is
repaid by the age of 70.
Collateral
Suitable principal collateral to a home loan
is the housing (apartment or private residence)
to be purchased or renovated. To obtain a
valuation of collateral, use the services of our
accepted real estate offices.
As a rule, the amount of self-financed part is
at least 15%.
If the absence of self-financing, we also accept
additional collateral – either an apartment or
a private residence, which does not have to
belong to the borrower himself.
Loan repayment
You can repay a home loan starting from the
month following the loan disbursement according
to a repayment schedule either as annuity
or as equal principal payments.
For
annuity schedule, the loan
payment is the same in every month. When starting
the loan repayment, major part of the payment is
interest. With each subsequent payment, the
repayment of principal part will increase. With
annuity schedule, the loan burden is distributed
more evenly and in general, the modest monthly
payments enable a larger loan amount.
For equal principal payments,
we distribute the principal part of loan evenly
on all payments, to which interest, calculated on
loan balance, is added (the bigger the loan
balance, the higher the interest). This means
that the amount of monthly loan payment is larger
at the beginning and decreasing towards the end
of final loan term.
If you can allow yourself larger payments at the
beginning of the loan term, it would be more
practical to choose the schedule with equal
principal payments, as in this way you will pay
less interest in the end.
Grace period
Upon repayment of the principal part of loan,
you can apply for a grace period for up to 12
months. You only pay interest during the grace
period.
The smaller the loan balance and lower
the interest rate, the better effect will be
gained from the grace period to reduction of
payment burden.
Annual percentage rate as a typical
example
The annual percentage rate of a home loan is
4.25% per year under the following sample
conditions: loan amount €40,000, repayment
deadline 20 years, agreement fee €400, interest
rate 4%.
The significant advantages of sending payments
using IBAN, the payment transaction within EU countries,
are considered domestic and it would cost you less. IBAN
transfer, take about 2 to 4 working days.
SWIFT
International transfers take from about 2 days
to 10 days, depending also whether they are sent as
express or normal. Bank charges for international
transfers are higher than for domestic ones, and are
levied at both ends. It is important for you to elect to
pay all fees