• Cover the cost of higher education studies
• Cover the cost of attending a private primary or secondary school, as well as optional activities or travel costs for educational reasons

From €5,000 to €25,000.

The loan's amount cannot exceed the indicated amount of tuition fees as shown at the supporting documents that you will supply to the Bank.

Variable rate, calculated at Euribor 1M plus spread 7.70%*

The interest rate is subject to Law 128/75 levy, currently 0.60%

In case of Euribor 1M being negative and for the whole period that it remains negative, zero reference interest rate will be applied.

* APR: 12.73% for a loan of €10,000 with a duration of 60 months, with a nominal variable interest rate consisting of Euribor month ( Euribor's 1M rate used for the example is 3,75%), spread 7.70% and Law 128/75 levy, today 0.60%

There are no fees for the examination and approval of your request.

Loan's repayment period is from 6 to 84 months and is carried out in monthly installments through the borrower’s deposit account at Pancreta Bank.

All or part of the loan can be repaid at any period, even before the agreed date, without charges.

In the event of the applicant's lack of income, a personal guarantee by at least one of the parents is mandatory.

For all other cases, a guarantor may be deemed necessary while assessing the loan. 

We provide you the possibility to ensure the smooth repayment of your loan in the event of an unforeseen event through the Borrowers' Life plan, which covers loss of Life from any cause and MOA.