
When you have a deposit but need funds!
Consumer Loan "Frozen money" gives you the advantage to finance your current necessities:
- Without breaking your deposit
- Without any additional documents required
At the most preferential terms:
- Unlimited financing, depending only on the deposited funds
- Approval within the same day
- Unlimited term for repayment
- Flexible repayment, as per requirements from the client
Parameters of the product:
Maximum loan amount |
No limit |
Currency |
ALL, EUR, USD |
Maximum tenure |
No limit |
Collateral |
Pledge on deposit in the Bank with the following definitions:
|
Annual Interest rate - floating: EURIBOR, LIBOR, TBILLS 12M + points |
- If the deposit and the loan are in the same currency and for the same tenure, the interest rates are as it follows:
Additional criteria: The cumulative interest rate in any of the scenarios under point 2 should always be compared to the cumulative rate of Deposit rate of the collateral + 1 % and the higher one has to be applied, respectively adjusting the extension.
- If the deposit and the loan are in different currencies (disregarding the tenure), the interest rates are as it follows:
|
Repayment |
Equal monthly installments, overdraft regime, a lump sum or another flexible schedule
|
Loan Application and processing fee | Free
|
Management commission |
1.00%
|
Early repayment Fee |
Free |
Renegotiation commission |
Free |
Precontractual Information |
You can apply for this product if:
- You have funds deposited in an account in FIBANK
If you cover the points above and would like to apply for a consumer loan in FIBANK, it is necessary to:
- To fulfill an application form in one of the branches of FIBANK and to submit the required documents
- In case of approval of the application form - to sign the loan agreement and use the funds as per purpose declared to the Bank
Personal documents for applicant, co-applicant, guarantor:
- Copy of the ID card or the passport
- For self-employed individuals, applying for an exposure under the name of the business (self-employment): Fresh QKR extract issued within 1 month of the approval of the exposure
Terms and Conditions (Tariff) of First Investment Bank
Contact Us
0800 0111
(free of charge)


