loans

We call duration the total period, when the loan should be paid back, so this is the period between the disbursement and the maturity of the loan.

monthly repayment

The amount that includes interest, administration fee and capital, and it should be paid to the Bank with regularity set in the loan contract (i.e. monthly) till the maturity of the loan.

aims to compare different loan offers and to inform clients well. The APR is an indicator in percentage that shows the interest rate and those fees and costs which relate to the loan application and disbursement. There are cost types which are not included into the APR, for instance the interest for late payment, notary fee or the cost of duration extension.

is a time period, when the value to interest is fix. In general the longer the interest period, higher is the interest rate. In case of longer interest period, the bank runs the interest risk, meaning that the longer and more expensive interest period is a kind of insurance in case the referance interest rates go up in the future.

it is the price of the loan, which should be paid by the borrower. The interest is defined in percentage, annual based and is fix within an interest period.

includes the sum of monthly repayments, all interest, fee and administration costs related to the loan application till the maturity of the loan. There are cost types which are not included to the total amount to be repaid, for instance the interest for delay, notary fee and the cost of cost of duration extension.

The total amount to be repaid will be less with that amount if you apply the interest discounts in the calculator: salary transfer discount (0.5%), K&H life insurance discount (0.2% for K&H life insurance or 0.1% for repayment insurance), K&H home insurance discount (0.1%). The calculator does not include premium client discount