Clear answers about financing.

Our financing solutions include Personal Financing, Property Financing, Vehicle Financing, Business Financing, Debt Consolidation Financing and Renovation & Project Financing. Each solution is subject to its applicable conditions and individual assessment.

Our financing parameters allow indicative simulations from €1,000 up to €1,000,000, subject to the financing solution, eligibility and individual assessment. The amount ultimately considered depends on the applicant's circumstances and the applicable conditions.

Indicative repayment periods range from 12 to 360 months, depending on the financing solution, requested amount, eligibility and applicable contractual conditions.

The Loan Simulator uses an indicative fixed rate of 3.00% for illustration purposes. The result is an estimate only and does not constitute an offer. Final financing terms may differ following individual assessment.

Applicants may submit a request for an eligible financing solution. Eligibility depends on the nature of the request, the applicant's circumstances, the information provided and the applicable financing conditions.

An application generally requires information concerning the applicant, the purpose of the financing, the requested amount, the desired duration and relevant financial circumstances. Supporting documentation may also be requested during the assessment process.

No. Submitting an application does not guarantee approval. Each request is subject to an individual assessment, eligibility requirements, supporting documentation and the applicable financing conditions.

Yes. The Loan Simulator is designed to provide an indicative estimate before submitting an application. Once you have reviewed the estimate, you can proceed to the application page and provide the information required for an individual assessment.

The assessment considers the information provided in the application, the purpose of the financing, the requested amount and duration, relevant financial circumstances and supporting documentation required for the review.

Supporting documents may be required to verify information provided in the application and to support the individual assessment of the financing request. The documents required depend on the nature of the application and applicable requirements.

The final financing structure may differ from the initial request depending on the assessment, eligibility, supporting documentation and applicable financing conditions. Any applicable conditions would be communicated as part of the relevant financing process.

The Loan Simulator calculates an indicative monthly repayment using the amount, repayment period and indicative interest rate entered. The calculation is intended to illustrate a potential repayment structure and is not a contractual quotation.

A longer repayment period can reduce the indicative amount of each regular instalment while increasing the total amount of interest paid over the duration. The applicable repayment structure depends on the final financing terms.

The full Loan Simulator provides an indicative repayment schedule based on the amount, duration and rate selected. You can review the estimated instalments before proceeding with an application.

Once an application has been submitted, the information provided can be reviewed as part of the applicable assessment process. Additional information or supporting documentation may be requested where required.

Assessment time can vary depending on the nature and complexity of the request, the completeness of the information provided and any supporting documentation required. No specific processing time is guaranteed.

Where applicable, the relevant financing conditions are communicated for consideration. Following acceptance, the applicable contractual documentation can be prepared for signature before the financing is established.

Considering repayment capacity forms part of a structured assessment of a financing request. Relevant financial information helps establish whether the requested financing structure is appropriate to the applicant's circumstances and applicable requirements.

No. Website figures, including simulator results, are indicative only. They do not constitute an offer, approval or guarantee of financing. Final terms are determined following the applicable assessment and contractual process.