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If you don´t have a current account with us yet, we will open it along with a loan and you will use it to repay your loan. We guarantee you free maintenance and usual banking services for the duration of your loan. In addition, our account has many benefits including a contactless payment card with free withdrawals from all ATMs in the CR and worldwide.

We will provide you with information about the possibilities of changing the amount of the monthly instalment or the length of repayment of your loan at any of our branches.

The APR (annual percentage rate) enables you to compare how favourable various loans are, because it includes both the interest rate and fees associated with the loan and also for how long and at what intervals the loan is being repaid. Our loans do not have any fees, and the APR is still higher than the interest rate. This is due to the fact that our loans are being repaid on a monthly basis. 

We have understanding for a difficult situation and we know that it can happen to every one of us. Should you get into difficulties in repaying, let us know about it as soon as possible. We will advise you and find a satisfactory solution. You can call us at 412 440 000 from 7 a.m. to 10 p.m. We also recommend to arrange a payment protection insurance (preferably immediately upon origination of the loan).

• Choose a suitable instalment date. The best date is four days after your paycheck is deposited to your account. You’ll have money available for the instalment even if your paydate falls on a weekend or a holiday. You can make the change free of charge in your Internet banking.
• Keep an eye on transfers. If your paycheck or other source of income is not deposited to an Raiffeisenbank account, i.e. you transfer the money for the instalment from another bank, set up a standing order – you won’t have to worry about it and you’ll minimize the risk of forgetting a transfer.
• Allow for extra time. If you use the postal service to send money for instalments, put in the order several days before the instalment date because this service often takes much longer than a bank transfer.
• Consider the instalment amount. When you take out a loan, set the instalment amount so that at least 20% of your monthly income is left on your account after subtracting your reoccurring and regular expenses, including the instalment.
• Consider repayment insurance, particularly for larger loans and mortgages. It can help you out if you suddenly lose your job, have an unexpected injury or experience a long-term illness.

You can easily request an early repayment online through your internet banking. The form can be found in the Loan details section.

We will process your request within a few days. If there are sufficient funds in your account, we will make the early repayment immediately. Otherwise, you will receive a loan statement with instructions on how to make an early repayment.

You can also request an early repayment by calling +420 412 440 000 or by visiting one of our branches.

You can easily request a part payment online through your internet banking. The form can be found in the Loan details section.

We will process your request within a few days, usually the next working day. If there are sufficient funds in your account, we will make the part payment immediately. Otherwise, you will receive instructions on how to make the part payment.

Any unpaid interest on the date of the part payment will be paid first, followed by the loan principal.

You can also request a part payment by calling +420 412 440 000 or by visiting one of our branches.