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XL loan package up to 35.000 €

The XL loan package is now available up to €35,000.

Enough for everyone!



Why XL loan package?  

✔ NEW – maximum loan amount now up to €35,000;

✔ Lower nominal interest rate – 6.48% per annum;

✔ Effective interest rate – 6.77% per annum;

✔ Repayment period of up to 8 years;

✔ No guarantors required;

✔ You can combine the cash loan amount with additional borrowing on your accounts and credit cards;

✔ Borrowing possible up to 50% of your monthly salary.

*Promotional terms apply until March 31, 2026.

 

Representative loan example
Loan amount: €35,000
Repayment period: 96 months
Monthly installment (annuity): €465
Nominal interest rate (NIR): 6.48% per annum
Effective interest rate (EIR): 6.77% per annum
One-time loan processing fee: €343.69
Promissory note cost: €6
Credit bureau inquiry fee (RKR): €3
Total loan amount including interest: €44,992.69

 

 

What documents are required?
  • Loan Application filled out;
  • Applicant's statement of financial standing;
  • Copy of loan Applicant's ID card;
  • Salary attachment of loan Applicant and a bill of exchange signed.

 

What else do I need to know?

- The condition for loan approval: The loan is granted exclusively to clients who receive personal income through an account opened at Hipotekarna Bank.


- The XL loan package refers to the total loan indebtedness a client can have.

For employees of companies on the A+ list with regular monthly income deposited into a Bank account, the total loan indebtedness cannot exceed €35,000, provided that the only collateral instruments are blank promissory notes and an administrative wage garnishment.

For employees of companies on the A list with regular monthly income deposited into a Bank account, the total loan indebtedness cannot exceed €30,000, under the same collateral conditions.

Total loan indebtedness includes a loan plus an installment limit and/or overdraft (the client selects this combination):

  • Example: €30,000 loan + €5,000 limit/overdraft – A+ list (or €35,000 loan only, without other obligations).
  • Example: €25,000 loan + €5,000 limit/overdraft – A list (or €30,000 loan only, without other obligations).


Loans exceeding €35,000 may be approved with additional collateral instruments, such as guarantors, co-borrowers, or a mortgage.