The Actual Annual Interest Rate (APR) is 10.09%, the total loan amount (without credited costs) PLN 46,000.00, the total amount to be paid PLN 53,169.66, variable interest 6.99%, the total cost of the loan 7 169 PLN 66 (including: commission PLN 1,840.00, interest PLN 5,329.66, monthly fee PLN 0.00), 35 equal monthly installments of PLN 1,477.00 and the last installment equalizing PLN 1,474.66. The calculation was made on April 9, 2021 on a representative example.
Representative example for Citibank Simplicity Credit Card. The actual annual interest rate of 10.95% (APRC), assuming: total loan amount (without credited costs) PLN 8,000, total amount to be paid PLN 8,459.42, variable nominal interest rate 7.2% per annum, total loan cost 459 PLN 42. (including the annual fee for issuing a payment card being the main card and for servicing the credit card being the main card PLN 144, interest PLN 315.42), 12 monthly installments of PLN 704.95 each. The calculation was made on 02/26/2021 on a representative example.
Bank Handlowy S.A. The "CitiKonto. The Financial Revolution - VII edition ”is available to the first 3,000 Customers who will conclude a Deposit Product Agreement with the bank by August 22, 2021, open a CitiKonto Personal Account on its basis and meet the conditions described in the offer regulations. Excluded from the offer include: persons applying for a new account who, after 01/01/2020, until the date of the offer commencement, had a personal or savings account on their own or as a co-owner. Prize 6 is available to the first 1,000 customers who meet the terms of the offer. The full list of exclusions is available in the Terms and Conditions of the offer. The "CitiKonto. Financial Revolution - VI edition ”cannot be combined with other special offers concerning the Account. Maintaining an account means operating a payment account. Account card means service of a debit card. Withdrawing from ATMs means withdrawing cash. Domestic transfer means a transfer order. Citibank Online means the electronic banking service.
The promotional offer is available in the online channel for people opening an Account through biometric verification, if a courier is selected - the promotional offer does not apply. The exclusion is when the Account is opened by phone or when, after choosing the biometric process, for reasons beyond the control of the Customer, the Account was opened in the courier process.
Offer "The first private banking in Poland. Summer Edition "is available to the first 300 Customers who will conclude a Deposit Product Agreement with the bank by 30 September 2021, open a Citigold or Citigold Private Client Personal Account on its basis and meet the conditions described in the Offer Regulations available on the Bank's website at www. citibankonline.pl/dokumenty. The offer is not available to people who had a personal or savings account at the Bank after January 1, 2019.
Details of the Offers, including the conditions for receiving the Award, are available in the Offer Regulations at the Bank's branches and on the website www.citihandlowy.pl. Detailed information on fees and commissions for the CitiKonto Personal Account, Citi Priority, Citigold and Citigold Private Client is available in the Table of Fees and Commissions at www.citihandlowy.pl. The material does not constitute an offer within the meaning of Art. 66 of the Civil Code.
The Effective Annual Percentage Rate (EAPR) for a home loan secured by mortgage is 2.20%, assuming that: the loan period is 24 years, the total amount of the loan is PLN 410,000, variable interest rate is 2.15%, including: WIBOR 3M reference rate of 0.26% and margin of 1.89% (the margin is increased by 1.3pp until the entry of the mortgage to the real estate register becomes final and valid, assuming that this takes place within 3 months after concluding the loan agreement). The total cost of the loan PLN 116 689, including: commission of 0%, i.e. PLN 0 interest PLN 116 470 civil law transactions tax PLN 19 (PCC), cost for entering the mortgage in the Real Estate Register PLN 200, fee for the maintenance of a savings and clearing account (ROR) PLN 0 (while maintaining monthly inflows of at least PLN 5,000), total amount due PLN 526 689, payable in 288 equal monthly installments of PLN 1, 802 after creating the collateral. The conclusion of an insurance contract is compulsory in order to obtain the loan. The calculation was performed as at 02/07/2020 on a representative example. The variable interest bears the risk of high installment and thus, the total amount for payment