LOANS: 1. HOUSING LOANS: A type of loan granted to natural persons for the acquisition or renovation, renovation of a residential real estate, as well as for the purchase of a plot of land for the construction of a residential house. The credit union Ebitum provides mortgages worth up to 85 percent. the value of the mortgaged property. The credit union applies flexible mortgage loan terms, ensures a long loan repayment period, and provides opportunities for the client to repay the mortgage loan earlier than the loan repayment term. 2. REAL ESTATE LOANS: This is a long-term loan for up to 30 years for those planning higher expenses. The loan can be used to purchase a home, renovate a home, repair or renovate a dwelling, a garden or homestead, buy a plot of land, treatment and health services or other high-value purchases. 3. CONSUMER LOANS: This is a type of quick loan that is granted to individuals to purchase purchases of greater monetary value without pledging real or other property. The amount of the consumer loan is from 500 to 30,000 Euros, which the borrower can repay within 5 years. The beneficiary does not pay any additional fees if he decides to repay the consumer loan ahead of time. 4. BUSINESS LOANS: We provide business loans to both individuals and legal entities for starting a business or running an existing small and medium-sized business. Business loans provide an opportunity to expand or modernize an existing business, upgrade and modernize existing business equipment or machinery, and you can start your own business if you have interesting, unique and promising ideas. 5. LOANS TO AGRICULTURE: We provide agricultural loans to start-ups and farmers who already have a farm, as well as to agricultural cooperatives and companies. A credit union can provide working capital loans for up to 3 years and investments for up to 10 years. The loan is intended to finance agribusiness. 6. REFINANCING THE LOAN: This is an opportunity to combine all your existing liabilities into one credit and get more favorable terms: a more flexible repayment term, lower interest rates and a reduction in the monthly credit installment. ALL ADDITIONAL LOAN ISSUES AND TERMS AND CONDITIONS OF THE LOAN ARE DISCUSSED WITH THE CUSTOMER DURING THE INDIVIDUAL NEEDS AND OPPORTUNITIES. DEPOSITS: 1. TERM DEPOSIT: This is the amount of money deposited by the customer, which is kept in the credit union for a selected period. Interest on the money deposited is received depending on the amount of money and the period. The interest paid by a credit union is higher than in commercial banks. 2. SAVINGS: This is a certain amount of money that is kept in a credit union for a period of your choice. The customer can top up his deposit at any time. Interest is calculated on the current deposit amount and credited to the savings deposit account on the last day of each calendar month. 3. THE CHILD`S CONTRIBUTION. You can open a savings account for your child, which you, grandparents, relatives can top up at any time by depositing any amount of money. other informationSERVICES PROVIDED: 1. CURRENT ACCOUNT: Available to both natural and legal persons. The credit union provides you with a checking account that you can use online by logging in to e-mail. banking system, or upon arrival at a credit union. 2. E-BANKING: Members of a credit union are given the opportunity to manage their personal accounts through the online banking system. The Internet banking system provides all the full possibilities - you can make payment orders from home or work, view and print statements of orders and receipts, view the loan repayment schedule, make a term deposit, check how much interest you have accrued, pay in online stores, use mokėjimai.lt services for payments , pay utility bills, etc. 3. COLLECTION OF FEES: Members of a credit union may pay utility bills and make periodic payments at credit union branches or through an online banking service. 4. PAYMENT CARDS: Master Card - Credit Card and Maestro Debit Card. With payment cards you will be able to make all payments in stores and online. Cards are valid for up to 3 years, issued to persons over 18 years of age. With the MasterCard card, you will be able to enjoy favorable consumer credit conditions, as well as use the cards in 210 countries around the world, making it a great choice for travelers. 5. MOBILE E-SIGNATURE: This is one of the most secure electronic means of personal identification that allows you to log in and perform transactions in online banking. Like a real personal signature, a mobile. the signature may belong only to a natural person.CREDIT UNION "EBITUM" - YOUR INVESTMENT EXPERTS !!!
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