VeloBank appreciates people employed in the public sector. Firefighters, paramedics, doctors, lecturers and other administrative employees rank among the most respected professions in Poland1. At the VeloBank branch in Bolesławiec, they can take advantage of a cash loan intended specifically for them.
Terms and benefits
The loan for public-sector and local-government employees offers an interest rate of 9.85% and an APRC of 10.3%. The maximum loan amount is PLN 200,000, and the repayment period may be as long as 10 years. The first instalment can be deferred for up to 3 months. Another advantage is the absence of a commission. The offer also includes insurance that provides protection in the event of loss of employment, health or life.
How can you take out the loan?
The offer is intended for customers from selected professional groups who have not held a cash loan or consolidation loan with VeloBank during the past six months and who have or will open a VeloKonto. They must also ensure a monthly inflow of at least PLN 2,000 into the account and make one cashless transaction using the account card or BLIK. In addition, borrowers must provide marketing consents for contact by SMS, email or telephone.
The VeloBank branch in Bolesławiec invites you
The franchise branch of VeloBank is located at 3B Grunwaldzka Street and is open Monday to Friday from 9:00 a.m. to 5:00 p.m.. Advisors provide support and answer all questions related to loans and other financial products.
“At VeloBank, we perfectly understand how important the work of people employed in the public sector and local-government units is—doctors, firefighters and paramedics. They look after our safety and health, which is why we show our appreciation with a personalised offer. Our loan proposal provides flexibility through the option of setting a repayment period of up to 10 years and deferring the first instalment by 3 months. Experienced consultants at the VeloBank branch in Bolesławiec will help complete the formalities,” emphasises Aleksandra Malec, Customer Advisor at VeloBank.
Customer Advisor Aleksandra Malec
Tel. 517 565 158
Detailed information about VeloBank’s offer can be found at: https://www.velobank.pl/.
This article was created in cooperation with VeloBank.
[1] 2024 Ranking of the Prestige of Professions and Specialisations, SW Research
Legal notice: The Annual Percentage Rate of Charge (APRC) is 10.3%; the total loan amount (excluding financed costs) is PLN 61,000; the total amount payable is PLN 85,900.32; the variable interest rate is 9.85%; the total cost of the loan is PLN 24,900.32 (including: PLN 0 commission and PLN 24,900.32 interest); 88 equal monthly instalments of PLN 976.14 each. The calculation was made on 28 May 2024 based on a representative example. The offer is addressed to employees of Local Government Units and the Public Sector who have not held a cash loan or consolidation loan with VeloBank S.A. during the past six months, have or will open a VeloKonto, ensure a monthly inflow of at least PLN 2,000 into the account and at least one cashless transaction with the account card or BLIK per month, and have provided or will provide the Bank with marketing consents, including consent to SMS, email and telephone contact. If the offer conditions are not met, the loan interest rate will increase by 0.5 percentage points from the following month until the conditions are met again. Maintaining a VeloKonto means maintaining a payment account. Detailed offer terms, including fees and commissions, are available at Bank branches and at velobank.pl. The granting and amount of the loan depend on the result of the creditworthiness examination and assessment. The credit intermediary is authorised by VeloBank S.A. to conclude, on behalf and for the account of the Bank, consumer credit and bank-account agreements and to perform factual activities related to those agreements. When applying for a cash loan, you may defer repayment of the first instalment by 1 to 3 months, in which case the loan’s cost terms will change. During the deferment period, you do not repay principal or interest. The loan instalment payment date will be specified in the agreement. Before purchasing insurance, be sure to read the General Terms and Conditions of Insurance for Borrowers—VeloSpokój Package or VeloSpokój Plus Package; the document contains detailed information about the scope of cover, limitations and exclusions of liability. The General Terms and Conditions of Insurance and other documents are available on the Bank’s website: www.velobank.pl/klienci-indywidualni/ubezpieczenia. The insurers are Towarzystwo Ubezpieczeń na Życie Cardif Polska S.A. and Cardif – Assurances Risques Divers S.A. Branch in Poland, based in Warsaw. VeloBank S.A., based in Warsaw, acts as an insurance agent entered in the insurance intermediaries register under number 11254447/A. The agent acts on behalf of multiple insurance companies.