CategoryLenders

Interest Personal Loan – current Interest Rates

How much interest do you pay for a Personal loan at Bank? The interest on a Personal loan depends on the amount of the loan. The interest on a Personal Loan is always fixed, it does not change during the term. Take a look at our low interest rates below or calculate the interest on the Personal loan.

Interest Rates of a Personal Loan at Bank

The interest rate of a Personal loan has a fixed interest rate. Take a look at our low interest rates on loan amounts and maturities below. These are to the state of January 1, 2019.

Duration 24, 36, 48, 60 or 72 months

€ 5.000, – to € 9.999, – 6.0%
€ 10,000, – to € 14,999, – 5.5%
€ 15,000, – to € 24,999, – 5.5%
€ 25,000 to € 34,999. 5.5%
€ 35,000 to € 50,000. 5.5%

Duration 84, 96, 108 or 120 months

€ 5.000, – to € 9.999, – 6.0%
€ 10,000, – to € 14,999, – 5.5%
€ 15,000, – to € 24,999, – 5.5%
€ 25,000 to € 34,999. 5.5%
€ 35,000 to € 60,000. 5.5%

 

 

Example calculations

24 months

Credit amount Fixed debit interest Annually
cost-
percentage
Duration Monthly amount Total price

of credit

€ 5,000 6.0% 6.0% 24 months € 221.25 € 5,309.88
€ 15,000 5.5% 5.5% 24 months € 660.53 € 15,852.78
€ 25,000 5.5% 5.5% 24 months € 1,100.89 € 26,421.30

 

36 months

Credit amount Fixed debit interest Annually
cost-
percentage
Duration Monthly amount Total price

of credit

€ 5,000 6.0% 6.0% 36 months € 151.75 € 5,462.99
€ 15,000 5.5% 5.5% 36 months € 452.03 € 16,273.17
€ 25,000 5.5% 5.5% 36 months € 753.39 € 27,121.96

 

48 months

Credit amount Fixed debit interest Annually
cost-
percentage
Duration Monthly amount Total price

of credit

€ 5,000 6.0% 6.0% 48 months € 117.06 € 5,618.93
€ 15,000 5.5% 5.5% 48 months € 347.93 € 16,700.74
€ 25,000 5.5% 5.5% 48 months € 579.89 € 27,834.56

 

60 months

Credit amount Fixed debit interest Annually
cost-
percentage
Duration Monthly amount Total price

of credit

€ 5,000 6.0% 6.0% 60 months € 96.29 € 5,777.69
€ 15,000 5.5% 5.5% 60 months € 285.59 € 17.135.45
€ 25,000 5.5% 5.5% 60 months € 475.98 € 28,559.09

 

72 months

Credit amount Fixed debit interest Annually
cost-
percentage
Duration Monthly amount Total price

of credit

€ 5,000 6.0% 6.0% 72 months € 82.49 € 5,939.26
€ 15,000 5.5% 5.5% 72 months € 244.13 € 17,577.29
€ 25,000 5.5% 5.5% 72 months € 406.88 € 29,295.49

 

 

84 months

Credit amount Fixed debit interest Annually
cost-
percentage
Duration Monthly amount Total price

of credit

€ 5,000 6.0% 6.0% 84 months € 72.66 € 6,103.64
€ 15,000 5.5% 5.5% 84 months € 214.60 € 18,026.24
€ 25,000 5.5% 5.5% 84 months € 357.66 € 30,043.74

 

 

96 months

Credit amount Fixed debit interest Annually
cost-
percentage
Duration Monthly amount Total price

of credit

€ 5,000 6.0% 6.0% 96 months € 65.32 € 6,270.80
€ 15,000 5.5% 5.5% 96 months € 192.52 € 18,482.28
€ 25,000 5.5% 5.5% 96 months € 320.87 € 30.803,79

 

 

108 months

Credit amount Fixed debit interest Annually
cost-
percentage
Duration Monthly amount Total price

of credit

€ 5,000 6.0% 6.0% 108 months € 59.64 € 6,440.74
€ 15,000 5.5% 5.5% 108 months € 175.42 € 18,945.36
€ 25,000 5.5% 5.5% 108 months € 292.37 € 31,575.60

 

 

120 months

Credit amount Fixed debit interest Annually
cost-
percentage
Duration Monthly amount Total price

of credit

€ 5,000 6.0% 6.0% 120 months € 55.11 € 6,613.44
€ 15,000 5.5% 5.5% 120 months € 161.80 € 19,415.46
€ 25,000 5.5% 5.5% 120 months € 269.66 € 32,359.11

This is a non-ongoing money credit. Other amounts are possible. Review and registration with Bureau Krediet Registratie in Tiel. In establishing these examples, we assume that no additional repayments are made and that the installments are paid as agreed.

With an application you will receive the applicable standard information, which is also available on Bank. Bank does not give advice. You must decide for yourself whether the desired financial product matches your wishes, needs and personal situation. On Bank the applicable general conditions, privacy statement and disclaimer are available.

Fixed interest

If you take out a Personal Loan, the interest is fixed. A fixed rate means that you pay a fixed percentage over the entire period of the loan. With a Personal loan you therefore have the guarantee that the interest remains the same. Does the market interest rate fall during the period that you have a Personal Loan? The interest you pay for your loan does not. But does interest increase? In that case, the interest on your loan will not increase and you will continue to pay the same amount. This way you know exactly where you stand beforehand.

One interest rate for everyone

At Bank we have one interest rate. This means that the interest is the same for everyone. The interest rate of a Personal loan with Bank does depend on the desired loan amount. Bank therefore does not base its interest on the individual risk of the customer. This way you know exactly where you stand in advance. Curious about our interest? Calculate here the interest and the total costs of a Personal loan.

Interest rate of a Personal loan at Bank

The Personal loan from Bank has a fixed interest rate. Take a look at our low interest rates on loan amounts and maturities below. These interest rates are valid from 1 January 2019.

What is a Personal Loan? Pros and Cons

What is a Personal Loan?

A personal loan is a loan in which the loan amount, the interest rate and the term are known in advance. You will receive the amount in your bank account in one go and you will pay a fixed monthly amount. You can read more about how a Personal Loan works, what the characteristics are and when it is suitable. .

A Personal loan explained in 100 seconds

What is a Personal Loan? And for whom is the loan suitable? Watch the video clearly explaining the characteristics of a Personal Loan. It is important that you yourself can make a responsible decision about which loan form best suits your situation. For more information you can also consult ‘Which loan suits me’ .

Features Personal loan

Below you can see the characteristics of a Personal loan in a row. Click on an attribute for more information on this topic. Do you have more questions? Please contact us. We like to help you!

Personal loan

Do you like clarity? Do you only want to borrow money to buy something once? Then the Personal loan may suit you better. You opt for a fixed interest rate, a fixed monthly amount and a fixed term. Your loan will be repaid in full at the end of the term.

When suitable

A Personal loan is suitable for a one-off expense of which you know the exact costs. With a Personal Loan, you have security in the form of a fixed term and a fixed interest that is agreed with you in advance.

Fixed interest

With a Personal loan, the interest is fixed for the entire term. This can therefore not change.

Fixed term

The term is fixed, so you know exactly when the loan has been repaid.

Fixed monthly amount

You pay a fixed amount every month. This consists of part repayment and part interest.

Rather redeem earlier

At Bank you can always pay off without penalty. It is advisable to make additional repayments as soon as you have the financial space for this. Extra repayments will shorten the term of your loan and reduce the total cost of your loan.

Age

Your age is from 21 to 68 years.

How much can you borrow

Depending on your need and financial possibilities between € 5,000 and € 75,000.

Can I withdraw repaid amounts

No, you can not re-record amounts repaid once. You know in advance exactly when your loan has been repaid.

 

Bank is an expert in the field of online money borrowing

For more than 20 years, Bank has been helping customers find a suitable and advantageous loan. Bank steel all these years under the supervision of the Netherlands Authority for the Financial Markets (AFM). Bank also has a license for offering credit to consumers. Bank is also affiliated with the Association of Financing Companies in the Netherlands (VFN). This means that Bank must comply with the VFN code of conduct: providing clear information, conditions and providing responsible loans to consumers. Read more about Bank .

At Bank you can apply for your Personal loan completely online

We do not advise you, but we would like to inform you as completely as possible about what lending means to you. You choose yourself which loan best fits your personal and financial situation. You also calculate the costs for a Personal Loan through our handy calculation tool. Have you calculated the desired loan? Then you can always request a free quote for a loan from Bank. With a quote from Bank you are nowhere fixed. Read more about how a loan application works at Bank .

That is why Bank

  • Apply for a full online loan
  • Our high customer rating
  • Pay off without a penalty
  • Low interest rates from 5.5%

 

Request a personal loan at a low interest rate

1 How much do you want to borrow?

2 What do you want to borrow for?

make a choice Purchase or conversion house Car / motor / boat / caravan Computer / electronics / white goods Furnishing house / garden Acquisition or redemption of other loan (s) Otherwise, namely: 721 This functionality is temporarily unavailable.

The maximum loan amount for a Personal loan is .

Choose your term:

Monthly amount:  
Duration:  
Fixed debit interest rate:  
Annual percentage rate:  
Total to pay by you:  

Offer Personal loan Calculate with Quotation is without obligation. Tip from
Leendert

What you need to know about a Personal loan

“Do you want to borrow money that you spend in one go for a specific purpose? For example for a car. Then a Personal loan can be a logical choice. With a Personal loan you lend a fixed amount once at a fixed rate. The period (period) on which you repay the loan is also fixed. The total costs of a Personal loan are clear in advance. So you know exactly where you stand. You pay a fixed amount of interest and repayment monthly for your loan. When choosing the duration, take into account that it is not longer than the lifespan for the purpose for which you borrow. This way you ensure that you have paid off your loan if you want to replace it. ”

Bank is an expert in the field of online money borrowing

For more than 20 years, Bank has been helping customers find an appropriate and advantageous loan. All these years, Bank is supervised by the Netherlands Authority for the Financial Markets (AFM) and we have a license for offering credit. In addition, Bank is affiliated with the Association of Finance Companies (VFN) in the Netherlands where safe and responsible borrowing is paramount. Read more about who Bank is .

10 reasons to take out a Personal Loan with Bank

You do not borrow money every day. That is why you want to know exactly where you stand before you take out a Personal Loan. Bank is honest and clear about borrowing money. No hidden costs or surprises afterwards, but clear conditions. Moreover, you can always pay a Personal Loan at Bank without penalty, as often and as much as you want. Want to know more about Bank? Read here the 10 reasons to take out a Personal Loan with Bank.

 

At Bank you can apply for your Personal loan completely online

Requesting a Personal loan from Bank goes completely online. We do not advise you, but we would like to inform you as completely as possible. You decide yourself whether a Personal loan fits your loan goal, personal and financial situation. You can use our handy online calculation tool to calculate the costs for a Personal Loan. Have you calculated the desired Personal Loan? Then you can always request a free quote for a Personal loan from Bank. With a quote from Bank you are nowhere fixed. Does the quote appeal? Then you can upload the data and the requested documents online in your secure environment. Read more about how a loan application works at Bank .

When a Personal loan

A Personal loan is a good choice if you know in advance how much you want to borrow. With a Personal Loan, you have security in the form of a fixed term with a fixed interest rate and repayment.

Calculate your borrowing capacity and request an offer without obligation>

 

 

The term of a Personal loan is at least 24 months and a maximum of 120 months.

Credit-
amount
Month-
amount
Fixed
debit interest
Annually
cost-
percentage
Fixed
maturity
months
Total price
from the
credit
€ 5.000, – € 82.49 6.0% 6.0% 72 € 5,939.26
€ 10,000, – € 162.75 5.5% 5.5% 72 € 11,718.19
€ 15,000 € 244.13 5.5% 5.5% 72 € 17,577.29
€ 25,000 € 406.88 5.5% 5.5% 72 € 29,295.49

 

This is a non-ongoing money credit. The chosen term and the associated monthly costs are fixed. Repaid amounts can not be withdrawn again. Reference date 1 January 2019. For each credit class, a maximum interest rate applies as currently shown in the above table (now a maximum of 5.5% to 6%). Your interest will not be changed during the term of your Personal Loan. The Annual percentage rate of a Personal loan is equal to the interest. With the exception of the interest, no additional costs are charged.

Closing of the current account on which there is an overdraft of loan and a RID for the payment of mortgage payments

I would like to ask if, in your opinion, it is possible to close a current account in which there is a use of the loan line of 2 thousand and 500 euros and a loan card. In the case I would like to ask if it is possible to pay in installments of the total amount between loan card and loan limit of about 5 thousand euros total.

From the same account the monthly installment of the loan is withdrawn, that you know that I could pay it to the bank (in case you closed the account or if the account was blocked) in other ways, for example from another current account to a bank account?

This is because I would like to skip the mortgage payments.

The customer is granted the right to withdraw from current account contracts at any time, without penalty and without charges, on the basis of the provisions of article 120 bis of the Consolidated Law on Banking (TUB). Naturally, the bank will provide for the recovery of the expenses incurred in relation to additional services requested by the customer on the occasion of withdrawal and any debit balance as well as on the name of the customer in the Central loan Register.

Even the Financial Banking Arbitrator (decision 689/2015) stated that the customer has the right to withdraw from a current account contract at any time, without penalty and without charge, even in the presence of any debit balance (in red) at the time of exercising the related right.

The mortgage repayments can also be paid by bank transfer to the borrowing bank: in any case it is possible, before closing the current account, to switch the mortgage to another bank (provided there is an available institution).

It must be remembered, however, that the bank’s refusal to close the current account is legitimate if the parties have expressly agreed, for example, in the context of a loan agreement, that the transaction must be settled through the current account opened at the bank: with this clause the client substantially waives, until the loan is amortized, to avail itself of the power to withdraw from the contract (decision of the Financial Banking Arbitration 6045/14).