Ms Magdo, what ideas do Customers looking for an additional injection of cash come to the branch with?
The ideas are very diverse! From renovating a bathroom or an entire apartment, through purchasing new furniture or a car, to taking a trip around Poland—because now is a great time to discover the charms of our country. Regardless of the size of the dream, however, we always try to help make it happen. We offer products that meet the requirements of every Customer.
What products does Getin Bank offer to those who apply for financing?
We have a wide range of loans—for example, a cash loan with an APR of 8.5% 1, intended for people earning income from an employment contract, but also from a contract of mandate or a contract for specific work. The conditions are having no credit relationship with Getin Noble Bank S.A. during the previous six months, as well as holding or opening a Proste Zasady Account, while declaring a monthly inflow of at least PLN 1,500 into the account and making at least one cashless transaction per month with the account card or BLIK. Finally, you need to provide marketing consents—including for SMS, email and telephone contact—if this has not already been done, and that is it! Dreams do not come true on their own; sometimes they need a little help. That is why our Customers often use the “for active customers” loan.
And how is such a liability repaid? Are the costs really minimal?
Repayment can be spread over convenient installments for a period of up to 10 years. The borrower decides whether to repay it faster or spread the payment over a somewhat longer period. The maximum loan amount is as much as PLN 200,000, and its advantage is a commission of just 2.99%! In this way, we maximize the benefits while minimizing the costs.
Can Customers with other liabilities also afford to use the product in question?
Of course! People who have another loan or liability and would like to use the offer for active customers can consolidate the products they hold. This is a much more convenient solution for the Customer, who, instead of paying several monthly installments, will pay just one—to a single bank.
Thank you for the conversation, and I invite Customers to the Getin Bank branch to take advantage of the offer.
Getin Noble Bank S.A.
Partner Branch
37 Zgorzelecka Street
59-700 BOLESŁAWIEC
tel. 517 450 642
The Annual Percentage Rate (APR) is 8.5%; the total loan amount (excluding financed costs) is PLN 36,800; the total amount payable is PLN 47,350.28; the variable interest rate is 7.2%; the total cost of the loan is PLN 10,550.28 (including: commission PLN 1,134.23 and interest PLN 9,416.05); 76 equal monthly installments of PLN 623.03 each. The calculation was made on 22 August 2020, based on a representative example. The interest rate is variable throughout the entire loan period.