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About the loan
Universal Capital Bank presents a cash loan with a deposit as collateral, the perfect choice for anyone who wants access to more favourable financial resources with maximum flexibility and security. Regardless of whether you are a resident or a non-resident, whether you are planning larger investments, home renovations, travel or debt consolidation, this loan is designed to give you financial freedom with favourable terms.
Don't wait! Take advantage of this opportunity and achieve financial security today. Contact us or visit the nearest branch to submit an application.
Option | UCB Cash Loans with Deposit as Security |
|---|---|
Amount | up to 500,000.00 EUR |
Nominal Interest Rate | 2.00% – 6.00% |
Maturity | up to 180 months |
Repayment Method | In accordance with sources of repayment |
Lump sum |
|
Collateral
- Deposit (minimum 100% of the requested loan amount)
- Promissory note with promissory note authorisations
Note
Required Documentation:
- Loan application with supporting documentation
- Signed copy of ID card/passport
- Consent to block deposit
Representative Example:
Total Loan Amount | 500,000 EUR |
|---|---|
Number of Installments | 60 |
Monthly Obligation (Installment) Amount | 8,759.30 EUR |
Loan Processing Fee | 117 EUR |
Fee for Providing Data from the CBCG Credit Registry | 3 EUR |
Account maintenance cost for one month | 1 EUR |
Cost of Purchasing Two Promissory Notes | 4 EUR |
Nominal Annual Interest Rate | 2.00 % |
Effective Interest Rate | 2.01 % |
Intercalary Interest | 814.47 EUR |
Total Interest | 25,683.00 EUR |
Total Costs* | 26,497.47 EUR |
Total Amount Client Needs to Pay | 526,497.47 EUR |
Total costs represent the sum of interest for the entire period (25,683.00 EUR), loan approval fee costs (117.00 EUR), fees for two promissory notes (4 EUR), account maintenance cost for one month (1 EUR), and inquiry to the CBCG Credit Registry (3 EUR).
The total amount to be paid by the client is 526,497.47 EUR.
A representative example is shown in the calculation example from 01.01.2026.