| Consumer loans | |
|---|---|
| Fee for drafting loan documents | 1 % of the loan amount but no less than LTL 100 |
| Default interest | 0.15 % from the outstanding amount |
| Consumer loans by pledging real estate and loans for commercial and investment purposes | |
|---|---|
| Fee for preparation of loan agreement documents | Minimum 0.5% of the loan amount, minimum LTL 500 |
| Fee for amendment of loan agreement provisions: | |
| Reduction of interest | Reduction of interest x loan amount, minimum LTL 700 |
| Increase of loan amount | 0.5% of the amount by which the loan is increased, minimum LTL 500 |
| Amendment of other provisions of an agreement | LTL 500 |
| fee for change of the fixed-rate interest term to fluctuating interest or for change of the term of application of fixed-rate interest* | ((r1 – r2)/360) x Nnumber of days x loan amount balance, minimum LTL 500 |
| Extension of the money use term** | ((Number of months)/12) x Amount of unused loan x 1%, minimum LTL 500 |
| Fee for loan repayment before maturity* | For loans with fluctuating interest rate: - 0.4 % of the amount repaid prior to maturity For loans with fixed-rate interest: ((r1 – r2)/360) x Nnumber of days x Loan amount balance, minimum LTL 500 |
| Late charges for failure present obligation fulfilment or pledged property insurance documents on time | 1% of the provided loan amount |
| Late charges | 0.08% of the outstanding amount |
| Re-financing with money borrowed from another creditor: | |
| Dee for loan repayment before maturity* | For loans with fluctuating interest rate: Amount of interest payable until the nearest date of change of interest rate, minimum LTL 500 For loans with fixed-rate interest: ((r1 – r2)/360) x Nnumber of days x Loan amount balance, minimum LTL 500 |
*
r1: the IRS valid on the day of setting the interest rate (%).
r2: the IRS (%) valid on the day of repayment of loan before maturity or of amendment of the provisions of the agreement.
Nnumber of days: the number of days remaining until the end of the term of validity of fixed-rate interest.
** Number of months: an additional term for use of the money, in the course of which the client may use the loan money under the loan agreement. The unused loan amount is considered on the day on which the extension of the use term is processed, and the total amount unused under the loan agreement is assessed. The fee is charged regardless of whether the amendment of the loan agreement was processed. If amendment of the loan agreement is processed as a result of the charging of this fee, the fee for amendment of the loan agreement is not charged and only the fee for the extension of the money use term is charged.
1636 (Weekdays 8-19)