* The calculation with initially set conditions and data is a representative calculation. By entering the loan amount and term, you can calculate the annuity amount. The exact amount of the annuity depends on the interest rate for each loan, which is determined according to the business relationship of the borrower with the bank and the assessment of the borrower's creditworthiness. The effective interest rate (EIR) is calculated based on the conditions specified in the calculator. Calculations are informative and non-binding.