Home Loan belongs to Siera Finance SA, the owner of the Ofin brand, which is financed with Zaloan Bank’s money. Siera Finance has been operating on the brokerage and consulting market in the field of intermediation in granting this type of liabilities, i.e. loans and credits online for over 5 years. In addition, it should be mentioned that the company has a responsible lender certificate issued by Loan Magazine.pl.
The Home Credit offer includes installment loans from 3,000 up to PLN 10,000 – amounts change every PLN 100. The final amount of the liability depends on our creditworthiness, so regardless of whether it is our first loan or the next commitment, we can apply for the highest amount available. The minimum time for giving back borrowed money is 6 months, while we can divide the payment repayment into 36 months. The cost of the loan consists of several factors, including preparation fee and commission fee plus interest. For example, when we decide to take out a loan of PLN 5,000 for 24 months, the monthly installment will be PLN 416. The total cost of the loan is PLN 4,993 (including the preparation fee PLN 50, commission fee PLN 4,250, interest amount PLN 693), and the interest rate is 7% per annum. The actual Annual Interest Rate is: 112.52%
To take advantage of the Home loan offer we must be between 18 and 75 years old and have a monthly income of over PLN 500 net of tax. To receive a loan, we must send our data using the form. The method of payment of the loan depends on us, we can choose a transfer to our bank account or a GIRO payment at any post office. The contract can be concluded by phone (in this case we will be asked to transfer one penny from our bank account) or with the help of a courier, then we will receive a contract from the courier, we will send him a photocopier.