The product is intended for clients who receive a monthly salary or pension through the Adriatic Bank account. The use of funds is with non purpose. The maximum amount of overdraft per transaction account is 3 monthly salaries. The contract is signed for a period of 12 months with the possibility of automatic renewal. The loan will be repaid automatically from the user’s transaction account at the time of the user’s inflow of regular or extraordinary income.
Adriatic Bank Pensioner loan with life insurance policy is a non-purpose cash loan. Loan users may be pensioners with a regular retirement income, who are not older than 75 years at the time of repayment of the final loan installment. Loan shall be approved with repayment period up to 5 years and in amount up to 20.000 EUR without guarantors. There is possibility of loan approval without life insurance policy.
Adriatic Bank Housing loan is intended for the purchase of a new flat or a flat under construction, for reconstruction or adaptation of property (house or flat) with a maturity of 1 to 10 years. The amount of housing loans can be approved for a 10% higher amount compared to the amount of the purchase contract (if it does not affect the ratio of the estimated value of the mortgage assets and the amount of the requested loan). This difference can be paid directly to the client’s account.
Another advantage of Adriatic Bank Housing loan is approval without life insurance policies of any loan participants if the last annuity is due before the age of 65.
Mortgage loans are intended for those who would like to invest in their own business, refinance existing loans or simply need more cash. They can also be used to buy or build a new home.