SEPPE

Indicative APR example of converting the loan into the alternative currency with:

Floating interest rate 

1. For a mortgage loan amount of  112,800 CHF (equivalent to €100,000 on 13/02/2026, following a 20% increase in the EUR/CHF exchange rate compared to the exchange rate as of the contract signing date), with property prenotation security, a repayment duration of 30 years (360 monthly instalments), floating interest rate of CHF SARON 1M ( -0,21% on13/02/2026), plus a spread of 2.50% (plus levy Law 128/75, 0.12%), Loan currency conversion review fee €150, the following applies:

Monthly instalment:  440.44 CHF
Total Credit Amount:  112,800 CHF
Total Credit Cost:  45,919.21 CHF
Total Amount Payable:  158,719.21 CHF
APR: 2.45%

2. For a mortgage loan amount of  108,000 GBP (equivalent to €100,000 on 13/02/2026, following a 20% increase in the EUR/GBP exchange rate compared to the exchange rate as of the contract signing date), with property prenotation security, a repayment duration of 30 years (360 monthly instalments), floating interest rate of GBP SONIA 1Μ (3.76%  on 13/02/2026), plus a spread of 2.50% (plus levy Law 128/75, 0.12%), Loan currency conversion review fee €150, the following applies:

Monthly instalment:  674.13 GBP
Total Credit Amount: 108,000 GBP
Total Credit Cost:  134,922.27 GBP
Total Amount Payable:  242,922.27 GBP
APR: 6.58%

3. For a mortgage loan amount of  146,400 USD (equivalent to €100,000 on 13/02/2026, following a 20% increase in the EUR/USD exchange rate compared to the exchange rate as of the contract signing date), with property prenotation security, a repayment duration of 30 years (360 monthly instalments), floating interest rate of USD SOFR 1Μ (3.77%  on 13/02/2026), plus a spread of 2.50% (plus levy Law 128/75, 0.12%), Loan currency conversion review fee €150, the following applies:

Monthly instalment:  914.78 USD
Total Credit Amount:  146,400 USD
Total Credit Cost:  183,241.26 USD
Total Amount Payable:  329,641.26 USD
APR: 6.60%

Indicative APR example of converting the loan into the alternative currency with:

Fixed interest rate 

1. For a mortgage loan amount of  112,800 CHF (equivalent to €100,000 on 13/02/2026, following a 20% increase in the EUR/CHF exchange rate compared to the exchange rate as of the contract signing date), with property prenotation security, a repayment duration of 30 years (360 monthly instalments), fixed interest rate 4.75%, plus levy Law 128/75, 0.12%), Loan currency conversion review fee €150, the following applies:

Monthly instalment:  596.60 CHF
Total Credit Amount:  112,800 CHF
Total Credit Cost:  102,184.59 CHF
Total Amount Payable:  214,984.59 CHF
APR: 4.99%

2. For a mortgage loan amount of  108,000 GBP (equivalent to €100,000 on 13/02/2026, following a 20% increase in the EUR/GBP exchange rate compared to the exchange rate as of the contract signing date), with property prenotation security, a repayment duration of 30 years (360 monthly instalments), fixed interest rate 4.75%, plus levy Law 128/75, 0.12%), Loan currency conversion review fee €150, the following applies:

Monthly instalment:  571.22 GBP
Total Credit Amount: 108,000 GBP
Total Credit Cost:  97,835.92 GBP
Total Amount Payable:  205,835.92 GBP
APR: 4.99%

3. For a mortgage loan amount of 146,400 USD (equivalent to €100,000 on 13/02/2026, following a 20% increase in the EUR/USD exchange rate compared to the exchange rate as of the contract signing date), with property prenotation security, a repayment duration of 30 years (360 monthly instalments), fixed interest rate 4.75%, plus levy Law 128/75, 0.12%), Loan currency conversion review fee €150, the following applies:
 
Monthly instalment:  774.32 USD
Total Credit Amount: 146,400 USD
Total Credit Cost:  132,623.68 USD 
Total Amount Payable:  279,023.68 USD
APR: 4.99%

It is clarified that the APR, the monthly instalment and the total amount payable are provided solely for illustrative purposes and are calculated only on the assumption that the aforementioned data apply.