Type of consumer credit: overdraft facility. Total amount of credit: CZK 20 000. Duration of credit: revolving. Interest rate: 18.90% p.a. Monthly payments: Not set*. Overdraft facility arrangement fee: Free of charge. Payment transaction fees**: Free of charge. Monthly maintenance fee for an account with an overdraft feature***: CZK 69. Annual percentage rate: 26.32%. Total amount due from client: CZK 21 163. The example is based on commonly provided overdraft facilities and on the assumption that the overdraft facility has been arranged alongside a Personal Account II, will be drawn down in full on the first day of the calendar month that immediately follows its establishment and paid back in full within three months of being drawn.
* There are no regular repayments required on the personal overdraft facility. Each time you repay the overdraft facility in full, a new one-year period begins to run, during which you have to repay it in full again.
**This applies to cashless credit card payments made for goods and services at a merchant. Other methods of drawing credit may be charged according to the Česká spořitelna schedule of fees.
*** The indicated fee corresponds to the fee for maintaining the Personal Account II with a personal overdraft feature. The total fee depends on the number of products (services) you have arranged with Persona Accountl II.
If you have arranged other products or services with your account, the newly arranged overdraft facility can affect this monthly fee.