You need cash, but you wish to preserve your savings? Use lombard loans!
A lombard loan is a general-purpose cash loan based on a pledge of fixed-term savings that allows the payment of cash while realizing yield in the form of interests.
Benefits
Favourable interest rate
No additional collaterals
The possibility of paying the fee from the loan
No age limit
Flexible loan repayment (different types of repayment) with the possibility of repayment at once
The possibility of early repayment of the loan from the funds pledged as collateral (e.g. deposit) at any time, free of charge
Conditions
A lombard loan may be granted to a natural person who is the owner of a fixed-term savings. The repayment period and maximum loan amount depend on the fixed-term deposit.
Prices
Information on interest rates is available in the leaflets below.
Can I obtain a lombard loan with my husband's deposit?
Yes.
What is the period for obtaining a lombard loan – I urgently need the money?
The period is rather short, a few days at the latest.
Can I realize a lombard loan with more deposit?
Yes.
Can I arrange a lombard loan term that is longer than the arranged term of the loan collateral?
The approved lombard loan term cannot be longer than the expiration date of the loan collateral. In case a fixed term deposit is serving as collateral, the term of the granted loan will not be longer than the expiration date of the fixed term deposit.
Use
What is the purpose of a lombard loan?
A lombard loan is intended for clients who are in need of extra cash in relatively short time, and who already have term deposits in the Bank or the option to use a third party deposit for raising a lombard loan.
Can I pay off a lombard loan with a term deposit early?
Early final loan repayment is possible at any time during the loan repayment period, free of charge.
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