RIGHT OF WITHDRAWAL
The consumer has the right of withdrawal within 14 (fourteen) days from the date of signing the consumer loan agreement without any justification and without penalty. The consumer is required to submit the withdrawal request to our bank in written and / or in another durable environment via registered mail within the specified period.
EARLY PAYMENT AND / OR INTERMEDIATE PAYMENT
Our bank is entitled to receive compensation for the first twelve-month period of fixed-rate loans with variable interest and in case of early payment request for fixed-rate loans, for possible costs directly related to the early repayment of the loan. However, the part of the early repayment amounts made by the consumer within every twelve month period not exceeding twenty (20) times the monthly minimum wage is not compensated. The compensation that our Bank can receive from the amounts exceeding twenty (20) times, if the period between the early repayment date and the expiry date written in the loan agreement exceeds one year, 1% (one percent) of the early repaid loan amount, if this period does not exceed one year 0.5% (five per thousand) of the loan amount.
DELAY AND LEGAL CONSEQUENCES
In consumer loan agreements, the period in which no delay interest will be applied for installments is 15 days from the date of installment. For the installments, the contractual interest is applied for the period in which no delay interest will be applied, and the default interest stated on the first page is applied for the periods exceeding this. When the debt of the organization becomes due, legal actions are taken according to the terms and conditions specified in the loan agreement.