The total loan amount is CZK 200 000 and the maturity is 108 months at an annual interest rate of 11.6%. Monthly repayments are CZK 3 030. The one-off fee for accepting, assessing and evaluating a loan application is CZK 2 000. The monthly loan administration fee is CZK 0. The annual percentage rate charged (APR) comes to 12.7% and the total amount to be repaid is CZK 329 240. If repayments are made on time, 15 repayments will be waived, the term of the loan will be 93 months, the interest rate will be 9.1%, the APR will be 9.9% and the total amount repaid will be CZK 283 790 with no change in the monthly payments.
More information on bonuses in the form of repayment waivers is set out in the loan agreement.