• Decision on the administrative prohibition of the Client (co-debtor and/or guarantor);
• Verification of data for the Client-debtor, Verification of data for the co-debtor and/or guarantor;
• Guarantee contract, which is concluded between the Client and guarantors (if it is stipulated in the loan decision);
• Minimum, one blank signed promissory note (for the Client, co-debtor and/or guarantor) with bill of exchange authorization;
• First line mortgage. The relationship between the amount of the debt and the value of the mortgaged real estate is defined by the Collateral Catalog;
• Life insurance policy for the Client, bonded in favor of the Bank. The duration of the policy should be 30 days longer than the loan repayment period, and the amount of the insurance sum equal to that which was initially contracted;
• Pledged property insurance policy. The insurance amount should correspond to the construction value of the real estate that is the subject of the mortgage. Insurance should be carried out against basic and supplementary risks, and the policy must be bound in favor of the Bank.
• The duration of the policy should be 30 days longer than the loan repayment period and it should be paid in full before the loan is realized;
• Statement on the use of the Real Estate (bank form).

For a loan amount of EUR 50,000.00 with a repayment period of 180 months, the nominal interest rate amounts to 5.99% per annum, while the effective interest rate amounts to 6.54%. The calculation of the effective interest rate (EIR) includes the costs of the nominal interest rate (NIR) in the total amount of EUR 25,882.60 for the entire period, a loan account maintenance fee of EUR 180.00, property valuation costs of EUR 80.00, property insurance policy costs of EUR 205.16, life insurance policy costs of EUR 698.88 (for the entire loan repayment period), mortgage registration fee in the amount of EUR 35.00, fees for two promissory notes in the amount of EUR 4.00, and a fee for an inquiry with the CBCG Credit Registry in the amount of EUR 3.00. The property insurance policy costs are calculated based on a specific example of a residential property used as collateral, with a surface area of 51 m². The cost of the life insurance policy may vary depending on the circumstances of the individual case; the entry age used in this example is 28 years, male. If additional collateral instruments are required for loan approval, the loan beneficiary is required to commit to concluding contracts for additional services. In such a case, additional fees not included in the stated calculation of the effective interest rate may apply, including costs related to such additional services (e.g. fees for maintaining a transaction account for new clients). The total amount payable by the consumer is EUR 77,088.64 and represents the sum of the loan principal, total interest, and other fees and costs related to loan approval, while the monthly annuity amounts to EUR 421.57. This representative example is presented based on a calculation as of 5 February 2026, with a fixed interest rate for the entire loan term.