Does being a long-standing customer of one bank guarantee the most favorable terms when applying for a loan?
– Unfortunately, we cannot always be sure of that. Being a long-standing customer usually makes it possible to reduce the formalities involved in applying for a loan. New customers cannot count on the same preferences as long-standing customers. At least, that was the case until now. Alior Bank’s new loan offer changes this approach to customers applying for a loan.
Does this mean that people applying for a loan from Alior Bank for the first time can now feel like long-standing customers?
– Exactly. Now one visit to an Alior Bank branch is enough to obtain a loan without unnecessary formalities. No income certificates are required; all you need to bring is your identity card.
Why else is it worth taking advantage of this offer instead of taking out a loan from your current bank?
– Customers can count not only on a simplified loan application process, but also on a low interest rate. For a loan of up to PLN 15,000, it is only 4.9%. It is therefore worth taking the risk of changing banks in order to benefit from these attractive terms.
Can you apply for a loan in a higher amount?
– Absolutely. Under the offer, you can apply for a loan of up to PLN 200,000. A bank employee will verify the customer’s income and present an offer suited to the Customer’s needs.
Over what period can the loan be repaid?
– The loan term can be as long as 10 years. This makes it possible to spread the repayment conveniently and adjust the installment amount to customers’ individual financial capabilities.
Thank you for the conversation, and I invite customers to the Alior Bank partner branch in Bolesławiec:
- ul. Mickiewicza 1/9, 59-700 Bolesławiec, tel. 75 713 70 02
- ul. Zgorzelecka 46, 59-700 Bolesławiec, tel. 75 732 22 51
The Annual Percentage Rate (APR) is 9.5%; the total loan amount (excluding financed costs): PLN 14,000; the total amount payable: PLN 16,047.78; nominal interest rate: 4.9%; total cost of the loan: PLN 2,047.78 (including: commission: PLN 893.62 (6%), interest: PLN 1,154.16); 36 equal monthly installments of PLN 445.71. The calculation was made on 11 November 2016 based on a representative example. The final lending terms depend on the Customer’s creditworthiness, the loan disbursement date and the due date of the first installment. The 4.9% annual interest rate applies to a Loan of up to PLN 15,000. For a Loan exceeding PLN 15,000, funds above PLN 15,000 are offered on standard terms. People who do not have a Loan with Alior Bank may take advantage of the promotional pricing offer. A loan based on an identity card may be obtained by people earning income, among others, from an employment contract, contract of mandate or contract for specific work. The maximum amount of a loan based on an identity card is PLN 200,000. Details of the promotion are available in the terms and conditions
available at branches and at www.aliorbank.pl.