Citadele’s best offers this year

¹ Service provided by Citadele Group company AS CBL Atklātais pensiju fonds.

² Example: if you take out a 30-year loan secured by a real estate mortgage for 80 000 EUR with an interest rate per year of 1.80% + 6-month EURIBOR (for the purposes of this calculation, we have used the 6-month EURIBOR rate as of 01.09.2023, which is 3.934%), then your monthly payment is 466.05 EUR (for a total of 360 payments). APR 6.15%. The total amount to be paid by the customer (including repaying the loan, interest payments, a 0 EUR commission fee for processing the loan, a government fee of 0.1% of the mortgage sum for registering the loan in the land registry, and the annual insurance premium for the mortgaged property (assuming that it is 100 EUR starting from the second year after signing the loan agreement) is 171 930.19 EUR. Borrow responsibly, and consider your ability to repay the loan.

³ A financial leasing example: by purchasing a vehicle for 25 000 EUR, the down payment is 2500 EUR (10% of the purchase price) and a financing amount is 22 500 EUR. The interest rate is 3.20% + 3 months EURIBOR per year, the APR (Annual Percentage Rate) is 7.152%. The commission fee for processing the agreement is 0 EUR. The monthly leasing payment over a 60 month lease period is 449.40 EUR. The total sum to be paid (excluding down payment) – 26 964.14 EUR. When calculating the APR, it is assumed that the initial interest rate is maintained for the entire leasing (financing repayment) period and there are no late payments.

⁴ Example: presuming the loan interest rate is 9.9% per year, the total loan amount is 5000 EUR the loan agreement is for 60 months, the commission fee is 0 EUR, and the annual percentage rate (APR) is 10.56%, the total amount the customer would have to repay is 6383.40 EUR, and the monthly repayment amount is 106.39 EUR.

⁵ Example: presuming the loan interest rate is 5.9% per year, your total loan amount is 5000 EUR, your loan term is 60 months, your commission fee is 0 EUR, your Annual Percentage Rate (APR) is 6.18%, then the total to be repaid for the loan is 5799.60 EUR and the monthly repayment sum is 96.66 EUR.