The interest rates are valid as of 1 April 2023.

MOJ L package

  Overdraft** 
total overdraft amount 3.500,00 EUR
yearly fixed interest rate 10,40 %
effective interest rate* 16,41 %
repayment period 3
total cost of package keeping 42,60 EUR
costs of overdraft approval 0,00 EUR
costs of contract interests 90,76 EUR
costs of overdraft insurance 0,00 EUR
total overdraft costs 133,36 EUR
information total amount paid by the client
(sum of total overdraft amount and total overdraft costs)		 3.633,36 EUR

 

MOJ M package

   Overdraft** 
total overdraft amount 2.000,00 EUR
yearly fixed interest rate 10,40 %
effective interest rate* 17,59 %
repayment period 3
total cost of package 29,40 EUR
costs of overdraft approval 0,00 EUR
costs of contract interests 51,87 EUR
costs of overdraft insurance 0,00 EUR
total overdraft costs 81,27 EUR
information total amount paid by the client
(sum of total overdraft amount and total overdraft costs)		 2.081,27 EUR

 

MOJ S package

  Overdraft**
total overdraft amount 300,00 EUR
yearly fixed interest rate 10,40 %
effective interest rate* 39,48 %
repayment period 3
total cost of package keeping 17,40 EUR
costs of overdraft approval 0,00 EUR
costs of contract interests 7,78 EUR
costs of overdraft insurance 0,00 EUR
total overdraft costs 23,24 EUR
information total amount paid by the client
(sum of total overdraft amount and total overdraft costs)		 325,18 EUR

  

* EIR can change if the contractual interest rate or total costs of overdraft facility change or if the dynamics of usage and repayment of the overdraft facility are different from the anticipated one.
** Examples of UIR calculation, total costs, total overdraft amount based on the amount of approved overdraft for a certain type of package. Calculation of UIR for approved overdraft considers the condition, that the whole amount of approved overdraft is used for the whole duration of the contract, with the presumption that the contract is valid for 3 months.