Product Pricing

Effective from: 24.09.2019

 No. Type of Loan ProductsMinimum AmountMaximum AmountMaturityNominal Interest RateAdministrative

Expenses

Effective Interest Rate
1Loans for small and medium enterprises10,00125,0006 to 6012% to 17%1%18.9%
2Fast loan for SMEs10,00120,0006 to 1212% to 17%1%18.9%
3Agricultural investment loans11,00015,0006 to 6012%to 17%1%18.9%
4Short-term loans2,0005,0003 to 1220% to 22%0%24.4%
5,00110,0003 to 1217.5% to 21%0%23.1%
5Midterm loans2,0005,0003 to 3620% to 22%0%24.4%
5,00110,0003 to6017.5% to 21%0%23.1%
6Investment loans2,5005,0003 to 4820% to 22%0%24.4%
5,00110,0003 to 6017.5% to 21%0%23.1%
7Agricultural loans2,0005,0003 to 3620% to 22%0%24.4%
5,00110,0003 to 6017.5% to 21%0%23.1%
8Small business loans2001,9993 to 2424%0%26.8%
9Small agricultural loan2001,9993 to 2424%0%26.8%
10Business loans for construction2,0005,0003 to 4820% to 22%0%24.4%
5,00110,0003 to 6017.5% to 21%0%23.1%
11Small loan for construction businesses2001,9993 to 2424%0%26.8%
12Loans for renovation2,00010,0003 to6022%2%27.0%
10,00125,0006 to6017% to 19%1.5%21.5%
13Consumer loans2,0005,0003 to4822%2%27.0%
14Small consumption and renewal loans2001,9993 to 2424%2%29.5%
 

15

 

Loans for increasing efficiency in energy utilization -GGF2005,0006 to 4821%1%25.0%
5,00110,0006 to 6020%1%23.3%
16Loans for increasing efficiency in energy utilization -GEFF2005,0006 to 4822%2%27.0%
5,00110,0006 to 6022%2%27.0%
The calculation of the effective interest rate is calculated based on the maximum payment term plan and the maximum amount of the loan product, with equal monthly installments.
The prices of loan products approved by the Board of Director of KRK, based on the approval of the Credit Policy.
Daily interest rate for late payments is 0.03287 % (annual rate 12%) and calculate for each days in delay on the amount of overdue principal. The interest rate may change by CBK every six month and the interest for late payments calculate based on the applicable reference rate published by the CBK.

 

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