XL credit package
Why choose the XL credit package?
There are moments in life when you feel it’s time to take a step forward—when you want to plan without stress, buy a new car, go on a dream trip, or invest in your education and health. In those moments, you need secure and fast financial support.
The XL credit package is now available up to €35,000. Enough for everything!
- NEW – maximum loan amount now up to €35,000;
- Lower nominal interest rate – 6.28% annually;
- Effective interest rate – 6.29% annually;
- Repayment term up to 8 years;
- Without guarantors;
- You can combine the loan amount in cash with additional borrowings on your accounts and credit cards;
- Borrowing capacity of up to half of your monthly salary.
Representative loan examples
- Loan amount: €35,000
- Repayment term: 96 months
- Monthly installment (annuity): €465
- Nominal interest rate (NIR): 6.48% per annum
- Effective interest rate (APR): 6.77% per annum
- Upfront loan processing fee: €343.69
- Promissory note cost: €6
- Credit Registry inquiry cost: €3
- Total loan amount with interest: €44,992.69
What documentation do I need?
- Completed loan application form
- Duly completed loan application form
- Copy of the borrower’s identification document
- Administrative wage deduction order for the borrower and a signed promissory note
What else do I need to know?
- Condition for loan approval: The loan is granted exclusively to clients who receive their personal income through an account opened with Hipotekarna Banka.
- The total credit exposure for an employee of a company on the A+ list, with regular monthly income paid through an account in the Bank, may not exceed €35,000 when there are no other collateral instruments for the facilities except blank promissory notes and an administrative wage garnishment order.
- The XL credit package refers to the total credit exposure a client may have.
- The total credit exposure for an employee of a company on the A list, with regular monthly income paid through an account in the Bank, may not exceed €30,000 when there are no other collateral instruments for the facilities except blank promissory notes and an administrative wage garnishment order.
- Total credit exposure refers to the sum of a loan plus an instalment limit and/or overdraft (this combination is chosen by the client): Example: €30,000.00 loan + €5,000.00 instalment limit/overdraft – A+ list (or €35,000.00 as a loan only without other obligations); Example: €25,000.00 loan + €5,000.00 instalment limit/overdraft – A list (or €30,000.00 as a loan only without other obligations).
- Loans in amounts exceeding €35,000 may be approved with additional collateral instruments, such as guarantors, co-borrowers, or a mortgage.
