Lending Rates - Pancreta Bank

Mortgage Loans

New Start Mortgage loan

Loan Duration

Fixed Rate

Variable Rate

LTV

Up to 30 years

2.70% for the first 3 years

2.90% for the first 3 years

Euribor 3M plus spread 1.40%

Euribor 3M plus spread 1.80%

LTV ≤ 60%

60% < LTV ≤ 80%

3.20% for the first 5 years

3.40% for the first 5 years

Euribor 3M plus spread 1.40%

Euribor 3M plus spread 1.80%

LTV ≤ 60%

60% < LTV ≤ 80%

3.70% for the first 10 years

3.90% for the first 10 years

Euribor 3M plus spread 1.40%

Euribor 3M plus spread 1.80%

LTV ≤ 60%

60% < LTV ≤ 80%

The above interest rates are subject to the levy of Law 128/75, currently 0.12%.
In any case the Euribor rate assumes a negative value, for as long as this lasts, a zero-reference rate will be applied.
A discount is provided on the variable interest rates of the product (spread reduction) depending on the energy class of the property at the time of the purchase or after the completion of the construction work according to the Energy Performance Certificate (EPC) of the property that the debtor submits to the Bank. For property energy class A+ or A, B+ or B: spread discount 0.15%. The discount is applied only during the period of validity of the variable interest rate (spread reduction) and is valid until the end of the loan.

"Oikia" Mortgage Loan

Mortgage loan to Buy Built Renovate Complete or Buy a plot to built a home	Loan Term	Fixed Rate	Variable Rate	LTV
	Up to 3 years	3.00% 3.20%		LTV ≤ 60% 60% < LTV ≤ 80%
	Up to 5 years	3.50% 3.70%		LTV ≤ 60% 60% < LTV ≤ 80%
	Up to 10 years	4.00% 4.20%		LTV ≤ 60% 60% < LTV ≤ 80%
	Up to 30 years	3.00% for the first 3 years 3.20% for the first 3 years	Euribor 3M plus spread 2.00% Euribor 3M plus spread 2.50%	LTV ≤ 60% 60% < LTV ≤ 80%
	Up to 30 years	3.50% for the first 5 years 3.70% for the first 5 years	Euribor 3M plus spread 2.00% Euribor 3M plus spread 2.50%	LTV ≤ 60% 60% < LTV ≤ 80%
	Up to 30 years	4,00% for the first 10 years 4,20% for the first 10 years	Euribor 3M plus spread 2.00% Euribor 3M plus spread 2.50%	LTV ≤ 60% 60% < LTV ≤ 80%
	Up to 30 years		Euribor 3M plus spread 1.50% Euribor 3M plus spread 1.90%	LTV ≤ 60% 60% < LTV ≤ 80%

Interest rates are subject to Law 128/1975 levy (today 0.12%)
In case of Euribor being negative and for the whole period that it remains negative, zero reference interest rate will be applied.

Home Improvement Loan "Oikia Upgrade" (without mortgage prenotice)

Loan term	Variable rate
from 3 to 7 years	Euribor 3M plus spread 4.50%

Interest rates are subject to Law 128/1975 levy, today 0.12% and if the home is an investment property 0.60%.
In case of Euribor being negative and for the whole period that it remains negative, zero reference interest rate will be applied.

Consumer Loans

Consumer Loan New Start

Fixed Rate over the total duration of the loan, 9.50% plus Law 128/1975 levy (today 0.60%).

Interest is calculated on a year of 365 days.

Consumer Loan Green Move

Fixed for the entire duration of the loan.

6.75% (plus Law 128/1975 levy, today 0.60%) for the purchase of a new electric or hybrid car from a car dealership, a new electric motorcycle from a motorcycle dealership or a new electric bike
9.75 % (plus Law 128/1975 levy, today 0.60%) for the purchase of a used (up to 5 years old) electric or hybrid car from a car dealership

Interest is calculated on a year of 365 days.

Business Financing

Working Capital New Start

Fixed Rate 4.50% over the total duration of the loan

The interest rate is subject to the levy of Law 128/75 (currently 0.60%)
Interest calculation time base: Year of 360 days

Working Capital Financing Solutions Pancreta EASY BUSINESS	Reference Rate	Interest Margin
Pancreta EASY BUSINESS - Working Capital Collateral-free	Variable, based on Euribor 3M	From 5.00% to 10.00%
Pancreta EASY BUSINESS - Working Capital against Cheques / Invoices	Variable, based on Euribor 3M	From 3.50% to 8.50%
Pancreta EASY BUSINESS - Working Capital Asset-based	Variable, based on Euribor 3M	From 2.25% to 7.00%

The customer's interest rate margin is formed based on the credit rating assessment and the type of collateral provided
In the event that the Euribor rate takes a negative value, and for as long as it lasts, a zero reference rate will be applied
The above interest rates are subject to the levy of Law 128/75 (currently 0.60%)
Interest calculation time base: Year of 365 days

Investment Loans Pancreta EASY BUSINESS	Reference Rate	Interest Margin
Pancreta EASY BUSINESS - Business Premises Loan	Variable, based on Euribor 3M	From 2.25% to 7.00% ^(*)
		From 5.50% to 10.50% ^(**)
Pancreta EASY BUSINESS - Business Equipment Loan	Variable, based on Euribor 3M	From 2.25% to 7.00% ^(*)
		From 5.50% to 10.50% ^(**)
^() with collateral ^(*) without collateral

The customer's interest margin is formed based on the credit rating assessment and the type of collateral provided
In the event that the Euribor rate takes a negative value, and for as long as it lasts, a zero reference rate will be applied
The above interest rates are subject to the levy of Law 128/75 (currently 0.60%)
Interest calculation time base: Year of 365 days

Green Loans for Photovoltaic Systems up to 500 kW

Variable based on Euribor 3Μ

For financing with collateral, margin 2.50%** and for financing without collateral, margin from 2.90% up to 3.90% depending on the percentage of own participation

** The interest rate margin is formed according to the percentage of own participation as well as the additional collateral provided.

The interest rate is charged with the levy of Law 128/75, unless otherwise specified in a decision to include the investment in a development program or other type of special status

Loans for Business Premises, Fixed Equipment, Working Capital

Variable based on Euribor

Margin from 5.00% *

* The margin is shaped according to the credit rating score of the business.
The interest rate may increase by three (3) percentage points.

The interest rate is charged with the levy of Law 128/75 (0.60% today)