Loan Price List

Pre-contractual Information to Help You Decide Before Applying for a Loan

What is the Jet Bank Consumer Loan?

The Jet Bank Consumer Loan is a loan with monthly instalments, intended for individuals with personal financing needs.

It may be used for personal purposes, such as purchases, family expenses, travel, technology, education, healthcare, or other personal needs.

This loan is not intended for business, commercial, or professional purposes.

Is collateral required?

No. The Jet Bank Consumer Loan does not require collateral. This means that no real estate, deposit, real security, or other specific collateral is required to obtain the loan.

However, loan approval always depends on the assessment of your repayment capacity, credit history, income, existing obligations, and the Bank's lending criteria.

Who can apply?

Individuals who meet the Bank's basic lending criteria may apply.

In general, the Bank assesses:

• Your identity
• Your age and legal capacity to act
• Verifiable income
• Income stability
• Existing financial obligations
• Credit history
• Ability to repay the monthly instalment
• Information declared during the application
• Any other criteria required by the Bank's policies and the applicable legal framework

Submitting an application does not mean automatic approval. The Bank has the right to reject the application if the lending criteria are not met, if the information is incomplete or inaccurate, or if the repayment capacity assessment does not support the granting of the loan.

How much can you borrow?

Minimum loan amount

• ALL 25,000
• EUR 250

Maximum loan amount

• ALL 4,000,000
• EUR 40,000

The specific amount that may be approved depends on:

• The selected currency
• The selected term
• Monthly income
• Existing obligations
• Credit history
• Instalment-to-income ratio
• Risk assessment
• The Bank's policies at the time of application

The Bank may approve a lower amount than the one requested or a longer term if this is considered more appropriate based on your repayment capacity.

In which currency can you receive the loan?

The Jet Bank Consumer Loan may be offered in Lek or Euro.

The currency you select during the application is important because the loan, the instalment, and the repayment obligations are linked to that currency.

If the loan is granted in the same currency as your income, exchange rate risk is lower. If you take a loan in Euro but your income is in Lek, you must consider the exchange rate risk.

What is exchange rate risk?

Exchange rate risk arises when the loan is in a currency different from the currency in which you generate your income.

For example, if you receive your income in Lek and take the loan in Euro, your instalment will be in Euro. If the Euro strengthens against the Lek, you will need more Lek to pay the same instalment in Euro.

This may affect:

• The monthly amount you pay
• Your instalment-to-income ratio
• Your ability to repay the loan on time
• The total amount you pay over the full loan term
• The risk of late payments

Before taking a loan in a currency different from the currency of your income, carefully assess whether you can afford the instalment even if the exchange rate changes.

Will the Bank inform you about exchange rate risk?

Yes. If the loan is in a currency different from the currency in which you generate your income, the Bank will inform you about the exchange rate risk and its possible impact on your obligations.

Where required by law, the Bank will also provide illustrative information on the possible impact of exchange rate changes.

What happens if the exchange rate changes significantly?

If the instalment increases by more than 20% due to exchange rate changes compared to the exchange rate on the agreement date, the Bank will notify you through a durable medium.

The notification may include:

• Information on the percentage increase
• The impact on your payments
• Information regarding possible conversion rights
• Any other relevant information

Do you have the right to request conversion of the loan?

Where the loan is in a currency different from the currency in which you generate your income, you may have the right to request conversion of the loan into the currency of your income, in accordance with the agreement and applicable legislation.

Conversion is not automatic and is subject to Bank assessment.

Do you need a Jet Bank account?

Yes. To receive a Jet Bank Consumer Loan, you must have a Jet Bank current account in the same currency as the loan.

This account is used for:

• Loan disbursement
• Monthly instalment payments
• Automatic debiting of obligations
• Administration of the loan relationship

The current account has no opening fee and no maintenance fee.

Is the interest fixed or variable?

The interest rate is fixed throughout the entire loan period.

The interest rate does not change during the term of the agreement and is not linked to reference indices, market rates, or external changes.

What is NEI?

NEI is the Effective Interest Rate.

It shows the total cost of the loan as an annual percentage and includes:

• Interest
• Fees
• Other mandatory costs related to obtaining the loan

NEI provides a more complete picture of the actual cost of the loan than the nominal interest rate alone.

What is the total amount payable?

Total Amount Payable = Principal + Interest + Fees + Other Mandatory Costs (if any)

This amount will be shown to you during the application process before you accept the loan.

How is the loan repaid?

The loan is repaid in equal monthly instalments.

Each instalment includes:

• Part of the principal
• Applicable interest

Payments are made from your Jet Bank current account in the same currency as the loan.

Can you repay the loan early?

Yes. You may repay the loan partially or in full before maturity.

Is there a fee for early repayment?

Yes.

Yes. In case of early repayment of the total remaining loan amount or partial repayment, an early repayment fee applies based on the remaining loan period.

If the remaining loan period is more than 1 year, the fee is:

1% of the prepaid amount.

If the remaining loan period is less than 1 year, the fee is:

0.5% of the prepaid amount.

This fee applies only to the amount paid before maturity.

The fee applies only to the amount repaid before maturity.

What happens if you do not pay the instalment on time?

For each day of delay, a penalty is applied to the overdue amount.

Penalty = Unpaid Amount × 36% × Days in Delay ÷ 365

The overdue amount consists of:

• Unpaid principal
• Unpaid interest
• Calculated penalty

Why is late payment serious?

Late payment may result in:

• Increased total obligations
• Daily penalties
• Credit Registry reporting
• Negative impact on your credit history
• Difficulty obtaining future loans
• Collection procedures where applicable

Can you withdraw from the agreement?

Yes. For consumer loans, you may withdraw from the agreement within 14 calendar days without providing a reason.

Can your application be rejected?

Yes. The Bank may reject an application if:

• Lending criteria are not met
• Income is insufficient
• Existing obligations are high
• Credit history is unsuitable
• Information is inaccurate or incomplete
• Documentation is insufficient
• Legal or regulatory requirements are not met

Is your credit history checked?

Yes.

The Bank may review information from legally permitted sources, including the Credit Registry of the Bank of Albania, to assess your ability to repay the loan.

How is the agreement signed?

Jet Bank is a digital bank. The agreement is signed electronically using secure authentication mechanisms such as:

• OTP
• PIN
• Biometrics
• Other approved security methods

When completed in accordance with applicable legislation, the electronic signature has the same legal effect as a handwritten signature.

What is a durable medium?

A durable medium is a method of communication that allows you to receive, store, and access information again in the future.

Examples include:

• The Jet Bank App
• Email
• PDF documents
• Electronic notifications
• Other storable digital formats

What responsibilities do you have as a customer?

You must:

• Provide accurate and complete information
• Use the loan for personal purposes
• Understand the loan terms before acceptance
• Pay instalments on time
• Maintain sufficient account balance for repayments
• Keep your contact information updated
• Protect your PIN, OTP, and security credentials

What responsibilities does the Bank have?

The Bank must:

• Provide clear and understandable information
• Present pre-contractual information before signing
• Inform you about NEI, total cost, and instalments
• Explain exchange rate risk where applicable
• Process your data in accordance with the law
• Handle complaints according to regulatory requirements

How can you submit a complaint?

If you have a question, concern, or complaint related to the loan, you may contact the Bank through its official communication channels.

Important Note

This information is general and provided for informational purposes only. It does not replace the Standardised Pre-Contractual Information for Consumer Loans, the loan agreement, or any other documentation provided during the application process.

Before accepting a loan, carefully review all applicable terms, assess your repayment capacity, understand the total cost of the loan, and consider any exchange rate risk if your loan currency differs from your income currency.