> Cash Cards
The Card combines the benefits of a typical bank card and a credit card. It is a revolving loan, with tickets between 2,000.- and 20,000.-, backed by MaestroCard. The customer has access to the card 24x7 through ATM and POS-terminals.
> Auto Leasing and Loans
Auto Leasing is primarily used for new cars and lease terms range from 38 to 84 months. Auto Loans are object financed loans with a term range from 12 to 96 months and are used for the purchase and financing of new and used automobiles, light trucks less than 3.5 tons and motorcycles. For both auto leasing and auto loans, down payment and residual value versions are offered, with variable or fixed interest rates.
> Commercial Leasing and Loans
Full- or part amortization contracts with a residual value/balloon rate, which range from 28 months to 64 months or longer. Monthly repayments are available with a variable or fixed interest period.
> Personal Loans
A fast and easy solution for customers to achieve their buying desires. From 2,000.- up to 80,000.- with a maximum term of 180 months. Consumers can also take advantage of different Fixrate periods and Fixrate follow-up periods.
> Insurance
Credit insurance offered to consumers, in conjunction with another financial product, to protect them if they experience payment hardship.
> Mortgages
Mortgages are closed-end loans, ranging in duration from 5 to 25 years. Monthly repayments are made with a variable or fixed interest period. The minimum loan amount is 22.000 and LTV max. 120%.
> Sales Finance
With cashless purchases (from 350.- to 11,000.-) at the retailer, customers can defer payment of their purchases by financing them with a closed end loan (6 m - 60 m) or with a "Buy Now, Pay Later program.
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