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Take advantage of reduced interest rates in Zaba from October 20 until December 19, 2025, and simply finance your needs or wishes.
Fixed interest rate of 5.09% loans with life insurance for loan repayment,
Fixed interest rate of 5.59% loans without life insurance for loan repayment
Up to EUR 20,000 without visiting a notary public.
We are waiting for you in our branch offices or you can arrange a loan even faster - in just a few steps with m-zaba online banking or via video meeting.
Benefits
Loans without insurance instruments
Fix interest rate
Quick and simple realization
Use m-zaba to monitor your repayment schedule and the number of remaining instalments
Conditions
A natural person (existing and new client), resident, who meets the requirements of creditworthiness set by the Bank (optional co-borrowing).
The borrower must not be older than 72 years at the maturity date of the last annuity.
Loan amount
from EUR 1,500 to 40,000
Repayment period from 13 to 120 months.
The repayment period depends on the client's business relationship with the Bank, the assessment of its credit risk and contracted collection instruments.
No application processing fee.
Prices
Reduced interest rates from October 20 until December 19, 2025:
Fixed interest rate of 5.09%* loans with life insurance for loan repayment,
Fixed interest rate of 5.59%** loans without life insurance for loan repayment
* The effective interest rate (EIR) calculated for a loan in the amount of EUR 10,000 with a repayment term of 84 months, a fixed interest rate, with life insurance for loan repayment, and current account management fee, to be repaid in annuities. ** The effective interest rate (EIR) calculated for a loan in the amount of EUR 10,000 with a repayment term of 84 months, a fixed interest rate, and current account management fee, to be repaid in annuities.
STANDARD OFFER
A fixed interest rate of 5.49 % (EIR: 6.99 %)* loans with life insurance for loan repayment
A fixed interest rate of 5.99 % (EIR: 6.16 %)** loans without life insurance for loan repayment
* The effective interest rate (EIR) calculated for a loan in the amount of EUR 10,000 with a repayment term of 84 months, a fixed interest rate, with life insurance for loan repayment, and current account management fee, to be repaid in annuities. ** The effective interest rate (EIR) calculated for a loan in the amount of EUR 10,000 with a repayment term of 84 months, a fixed interest rate, and current account management fee, to be repaid in annuities.
Arrangement
Creditworthiness check is determining a client’s credit rating, or the possibility for the client to obtain a loan and repay it with interest within the period stipulated in the Loan Agreement.
If you are employed, you can arrange cash loans even during your maternity leave.
Use
Fixed interest rate does not change during the repayment of loan, regardless of market conditions. Once you arrange a loan with a fixed interest rate, you know exactly how much you will pay.
Intercalary interest is interest that is calculated and charged on the amount of a granted loan from the date when the loan is granted until the start of loan repayment. It is usually calculated according to the rate and method used for regular interest.
For example: if the loan was granted on 10 August, and loan repayment is agreed on the 1st of the month, intercalary interest is calculated from 10 August until 31 August.
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