The gift of "Hansabankas" - zero interest margin until the year-end
2005-03-31 Back
"Hansabankas", the leader of financing of private clients in Lithuania, until the year-end is going to apply a zero interest margin to the clients who take housing loans from "Hansabankas". In order to make use of this offer, clients are invited to complete the applications for housing loans until 1 July in any branch of "Hansabankas". "Hansabank" Group banks in Latvia and Estonia also carry out currently similar campaigns.
"Willing to become a good partner to our clients, we are offering to them a gift on the occasion of the house-warming, so as to enable the acquirer of a new dwelling to allocate his saved monies for fitting the flat or for acquisition of furniture", - said Jūratė Gumuliauskienė, Director of "Hansabankas" Private Clients Financing Department. According to her, upon expiration of the period of "gifts", the clients will be charged particularly attractive interest rates applicable at present in the market - interest margin will be determined in the agreement and will not change even upon the increase of market interest rates.
During the housing loans campaign - between 1 April and 1 July - "Hansabankas" is intending to extend business hours of certain branches so as to make more convenient for the clients to arrive at the bank and to avail themselves of the Bank's offer.
In addition to the attractive offer in the field of interest, "Hansabankas" is offering more innovations to the recipients of housing loans - the possibility to borrow the amount equal even up to 100 per cent. of the dwelling value, and in case of house construction - financing covering as much as up to 120 per cent of the value of mortgaged property.
"In the market of small supply of growing prices we are paying particularly great attention to encouraging the construction of new dwellings - development of construction will facilitate in balancing the market to a certain extent and providing residents wider opportunities for selection. Therefore, innovations offered by us are oriented towards making it as easier as possible to realise the ideas of residents who purchase dwellings in buildings of new construction or building individual houses", - said J.Gumuliauskienė.
"Hansabankas" strategy in the field of housing loans is to offer to the clients the highest quality of services, to adapt individual solutions to clients which satisfy their needs to the highest possible extent", - said J.Gumuliauskienė. One of attractive improvement, which is particularly valued of the Bank's clients - is the so-called "Loan holidays", or, in other words, the possibility to suspend loan repayment even for up to 3 years, if the client has temporary financial difficulties (in the event of movement to another job, family increase, etc.).
"For those clients who are saving their time, are offered one more particularly attractive chance to be provided with the assistance of the bank's specialists in handling practically all loan-related documents, without having to visit different public authorities for being issued certificates", - mentioned J.Gumuliauskienė.
"Hansabankas" is the leader of financing private clients currently occupying about 29 per cent of the market. "Hansabankas" belongs to the largest group of financial services in the Baltic States whose strategic investor is Swedish "Swedbank". "Hansabank" Group in Lithuania comprises "Hanza lizingas", "Hansa gyvybės draudimas", "Hansa investicijų valdymas", "Baltijos autolizingas" and "Hansa draudimo brokeris".
