EKO Home Loan for Energy Efficiency
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About the loan
Improve your home and contribute to preserving the planet with the EKO DOM loan of Universal Capital Bank. This loan is designedfor everyone who wants to invest in energy efficiency and sustainability, while at the same time enjoying favourable financial conditions.
Invest in the future: Reduce energy consumption and costs through projects such as installing insulation, replacing windows and doors, or installing solar panels.
Support sustainable development: The loan is aligned with ESG principles, enabling you to reduce your carbon footprint and contribute to preserving natural resources.
Don’t wait! Take advantage of this opportunity and achieve financial security today. Contact us or visit the nearest branch to submit your application.
Option | EKO HOME Loan – Purpose-specific loan |
|---|---|
Maximum Loan Amount | up to 50,000.00 EUR |
Nominal Interest Rate | 6.50% |
Maturity | up to 60 months |
Repayment Method | In accordance with the agreement |
One-Time Fee | up to 10,000.00 EUR is 66.00 EUR from 10,000.00 EUR to 25,000.00 EUR is 117.00 EUR over 25,000.00 EUR is 148.00 EUR |
Collateral
- For amounts up to EUR 15,000.00 – no guarantors; life insurance policy optional
- For amounts from EUR 15,001.00 to EUR 20,000.00 – one guarantor, life insurance policy optional
- For amounts from EUR 20,001.00 to EUR 25,000.00 – two guarantors
- For amounts from EUR 25,001.00 to EUR 50,000.00 – Mortgage, life insurance policy optional
- Administrative ban on the salary for all loan participants
- Promissory notes signed by all loan participants with promissory note authorisations
The Bank may also request additional collateral in the form of statements, authorisations, co-debtors, etc.
Note
Required Documentation:
- Completed loan application form
- Employer’s certificate on salary amount, deductions from salary and employment status (for other loan participants)
- Copy of ID card for all loan participants (original for inspection)
- Invoices for payment
Representative Example:
Total Loan Amount | 10,000 EUR |
|---|---|
Number of Installments | 60 |
Monthly Obligation (instalment) | 194.75 EUR |
Loan Processing Fee | 66.00 EUR |
Fee for Providing Data from the CBCG Credit Registry | 3.00 EUR |
Cost of Purchasing Two Promissory Notes | 4.00 EUR |
Nominal Interest Rate | 6.50% |
Effective Interest Rate | 6.82% |
Effective Interest Rate | 5.12% |
Total Interest | 1,733.43 EUR |
Total Costs * | 1,806.43 EUR |
Total Amount the Client Needs to Pay | 11,806.43 EUR |
Note: Total costs represent the sum of interest for the entire period in the amount of EUR 1,733.43, loan approval fee EUR 66.00, cost of 2 promissory notes (EUR 4.00) and the cost of the Credit Registry inquiry (EUR 3.00). The total amount the client has to pay is EUR11,806.43.
The representative example is shown in the calculation example as of 26 December 2024.