INVALID OFFER
POSSIBILITY OF POSTPONING LOAN REPAYMENTS
IT IS IMPORTANT FOR US TO BE ALWAYS THERE FOR YOU IN THIS DIFFICULT SITUATION AND TO HELP YOU MITIGATE THE UNEXPECTED IMPACTS ASSOCIATED WITH THE SPREAD OF COVID-19.
Dear Clients,
We have prepared for you an option to postpone instalments of housing loans, mortgage loans, PRESTO Loans and loans for companies, small entrepreneurs and sole traders.
At our bank, the postponement is carried out under the relevant law.
- Postponement of instalments of the same loan may be applied for only once during the pandemic.
- If you have more loans with our bank, please fill in a separate application for each loan.
- Postponement of loan instalments may be requested for a maximum period of 9 months, regardless of whether you have monthly or quarterly instalments or a one-off instalment.
- Postponement of loan instalments does not mean they are forgiven. The obligation to pay the loan instalments is postponed until the end of the period for which you want to postpone your loan instalments.
- After submitting your referral application we will inform you about its assessment within 30 days.
Frequently asked questions and answers:
More detailed information for entrepreneurs is available in the document HERE.
UniCredit Bank now provides favourable loans for enterprises to support the Slovak economy through new state guarantee programmes approved by the Parliament of the Slovak Republic together with Slovak Investment Holding and Eximbanka. Under these programmes, not only small and medium-sized enterprises, but also large corporate clients can now apply for favourable loans. The measure also applies to sole traders and entrepreneurs with flat-rate expenses.
The guarantee programmes aim to help provide liquidity and access to financing for enterprises in relation to the impact of the COVID-19 pandemic in the Slovak Republic.
If you are interested in getting a favourable loan, please contact your advisor or use our contact form.
Detailed information about the individual programmes for Enterpreneurs and small business and for Corporates.
If your loan repayment postponement granted to you pursuant to Act No. 67/2020 ended, your instalment is due on the same day as before the setting of the repayment postponement and it will be deducted from your instalment account automatically. There is no need for changing the repayment settings.
If your difficult financial situation persists, we are ready to resolve it in cooperation with you by changing the loan repayment terms again. We deem it necessary to inform you that the right to change the contractual terms and conditions again does not arise automatically and your application will be decided on the basis of a thorough assessment of the reasons you provide for further repayment postponement.
HOW TO PROCEED
- First, make sure that the loan repayment is beyond your financial means. Changing the repayment terms may not be beneficial for you and, in the end, you will pay more in interest than if you had complied with the original repayment schedule. A change in the repayment terms is also information on change in the repayment schedule sent to the credit register. This information constitutes a negative record, which may affect the assessment of the provision of loan in the future in the long run.
- Make sure you have loan repayment insurance included in your loan. In the event of a difficult life situation (e. g. loss of employment, long-term incapacity for work, disability), you can assert an insurance claim and thus be entitled to payment of insurance benefits, for example in the form of monthly loan repayments. Read more on how to assert an insurance claim and on the insurance conditions at: https://www.generali.sk/poistna-udalost/hlasenie-poistnych-udalosti/zivotne-poistenie/poistenie-schopnosti-splacat-uver/ or at: https://www.unicreditbank.sk/sk/obcania/poistenie/poistenie-uveru.html, where information concerning the insurance conditions according to the date on which the insurance was taken out is available.
- If, despite the aforementioned facts, you contemplate postponing your consumer credit or mortgage loan, complete the contact form below. Subsequently, we will get in touch with you to agree on the next steps. We assure you that we will always try to comply with your request as far as possible.
