Citadele’s best offers this year

¹ Offer is valid from 11.13.2023 to 11.30.2023. The currency of the term deposit is euros. Payment of interest at the end of the contract term. The minimum deposit amount is 100 EUR. The term of the deposit is 1 year. The government of the Republic of Latvia guarantees repayment of your deposit at Citadele up to 100 000 EUR. Review the rules and conditions of term deposit.

² If a loan of 90 000 EUR is taken out for a period of 27 years with an applicable variable annual interest rate of 5.99%, when the agreement origination fee is 0.5% (450 EUR) and a mortgage registration fee is 8.60 EUR, and the loan installments will be paid by annuity repayment method, then the annual percentage rate of charge (APR) would be 6.21% the total amount paid by the borrower – 182 232.32 EUR, the total number of payments – 324 and monthly installment would be 561.03 EUR. Notary service fees, property valuation and home insurance costs are not known to the bank, so they are not included in the calculations. Please note that the typical example is presented without the discount, which is valid from 13.11.2023 to 30.11.2023 during a special offer.

³ A financial leasing example. If you lease a car worth 25 000 EUR and the initial payment is 10% (2 500 EUR), assuming that the term of the leasing contract is 60 months, then the total amount of consumer credit (financed amount) is 22 500 EUR, annual variable interest rate – 7.15% (which consists of the fixed part of the interest rate – 3.20% and the variable base interest rate 3-month EURIBOR), contract conclusion (administration) fee – 0 EUR, total cost of consumer credit – 4 356.27 EUR, the monthly payment is 447.60 EUR, the total amount paid by the consumer credit recipient (excluding down payment) – 26 856.27 EUR. The leasing service is provided by the Lithuanian branch of SIA "Citadele Leasing".

⁴ Typical example. If a loan of 6 000 EUR is taken out for a period of 5 years at a fixed annual interest rate of 10%, when an agreement origination fee is 0 EUR, then the total annual interest rate on the cost of the consumer credit (APR) would be 10.47%, the total amount payable by the customer would be 7 648.80 EUR, and the monthly instalment would be 127.48 EUR. 

⁵ Typical example. If a loan of 6 000 EUR is taken out for a period of 5 years at a fixed annual interest rate of 4.9%, when an agreement origination fee is 0 EUR, then the total annual interest rate on the cost of the consumer credit (APR) would be 5.01%, the total amount payable by the customer would be 6 777.00 EUR, and the monthly instalment would be 112.95 EUR.