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 most often makes it possible to limit the formalities involved in applying for a loan. New customers cannot count on the same preferential treatment 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 that mean that people applying for a loan at 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. There is no need to provide any income certificates; 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 opportunity to change banks and benefit from these attractive terms.
Can you apply for a loan for 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 repayment conveniently and adjust the installments to customers’ individual financial capabilities.
Thank you for the interview, and I invite customers to Alior Bank’s partner branch in Bolesławiec:
- 1 Mickiewicza Street, suite 9, 59-700 Bolesławiec, tel. 75 713 70 02
- 46 Zgorzelecka Street, 59-700 Bolesławiec, tel. 75 732 22 51
The Annual Percentage Rate (APR) is 9.5%; the total amount of the loan (excluding financed costs) is PLN 14,000; the total amount payable is PLN 16,047.78; the nominal interest rate is 4.9%; the total cost of the loan is PLN 2,047.78, including a commission of PLN 893.62 (6%) and interest of PLN 1,154.16; 36 equal monthly installments of PLN 445.71. The calculation was made on November 11, 2016, based on a representative example. The final lending terms depend on the Customer’s creditworthiness, the loan disbursement date and the date on which the first installment is due. The interest rate of 4.9% per annum applies to loans of up to PLN 15,000. For loans exceeding PLN 15,000, the amount above PLN 15,000 is offered under standard terms. The promotional pricing offer is available to people who do not have a loan with Alior Bank. An ID-card loan may be granted to people earning income, among other sources, from an employment contract, a contract of mandate or a contract for specific work. The maximum amount of an ID-card loan is PLN 200,000. Promotion details are available in the regulations
available at branches and at www.aliorbank.pl.