UNICREDIT PARTNER SERVICE FOR THE EMPLOYEES OF NOKIA GROUP

Partnership and cooperation may bring advantages to our everyday lives that we could not attain otherwise. For the employees of Nokia Group we offer a discount package that holds advantages not only for weekdays, but for the important moments of life as well.

Our Partner Prestige package is offered to employees whose employer concludes a Cooperation Agreement with our Bank for these services. Those private customers are entitled to open a Partner Prestige account package who have registered on the electronic platform provided by the Bank by the deadline specified for the purpose of applying for the account package. The registration deadline is determined by the Bank and the Employer in the Cooperation Agreement, and is included in our brochures.

What can the Partner Prestige package offer to you?

What can the Partner Prestige package offer to you?
Bank Account Package – with unlimited services for free of charge*

Partner Prestige Package

  • Account keeping with fee reimbursement** UDRI (Unified Deposit Rate Index): 0.01%
  • Direct debit orders free of charge
  • Standing orders free of charge
  • one-off transfers free of charge, if given electronically
  • Unlimited number of cash withdrawals free of charge from domestic UniCredit ATMs and any other ATM located in Hungary
  • Bankcard purchases free of charge
  • Free SMS notification on credits and debits received to the bank account as well as on bankcard transactions
  • The Issuer Fee and annual Membership fee of the debit cards are free of charge
  • SpectraNet Light and MobilApp services are free of charge

*The Bank ensures the special bank account conditions specified in the List of Conditions connected to the Partner Prestige account package for a term of 2 years from the date of account opening. After the lapse of 2 years from account opening, the account package will change into the “Partner Ikon Plusz” account package, and shall be governed by the terms and conditions set out in the document “Special Conditions for UniCredit Partner Aktív Plusz and Partner Ikon Plusz Packages”, with notice sent to the customer. The Bank may deviate from the 2-year period as per this section in the customer’s favour, and shall have the right to prolong it with notice to the customer.

**The normal monthly closing fee of the Partner Prestige account package is HUF 8,000, of which HUF 8,000 is refunded* if at least HUF 600,000 per month is received to the bank account from credit transfers (in-Bank transfers between the customer’s own accounts do not qualify as credit transfer). UDRI (Unified Deposit Rate Index): 0.01%

For the detailed terms & conditions, see the Special Conditions for the Partner Prestige Account Package in its up-to-date version.

Other credit products – Housing loan from an interest rate of 2.03%, APR 2,52-6,19%

Overdraft Facility

With the Partner Prestige account package, you can take an overdraft facility* at UniCredit at a discount rate equalling the prevailing central bank base rate +5% p.a.! APR: 6,06%**, the minimum amount of the overdraft facility is HUF 400,000.

• Amount of the overdraft facility: HUF 400,000–3,000,000, the amount the customer is eligible to shall be determined on the basis of the credit evaluation.

• The UniCredit overdraft facility may as well be used to redeem an overdraft facility held at another bank.

annual handling fee of the overdraft facility is HUF 0. APR: 6.06%

Representative example in case more than HUF 600,000 is booked per month to the credit of the Partner Prestige account*:

If the customer applies for an overdraft facility of HUF 400,000 in connection with the Partner Prestige package for a term of 1 year, the initial normal interest rate of the facility shall be 5.9%, where the interest rate is variable. For this calculation it is assumed that the total amount of the facility is drawn immediately, the specified credits are fulfilled during the term, and then the amount available from the facility is drawn in each case. The annual percentage rate of charge (APR) is 6.06%. Amount of the monthly instalment: HUF 1,967, which is the monthly interest amount calculated for the total utilisation of the facility. In the case of a facility taken at the conditions specified above, the total amount to be repaid by the consumer is HUF 423,600, where total credit charge is HUF 23,600, which, apart from the amount of the transaction interest, does not include any other fee.

A representative example in case less than HUF 600,000 is booked per month to the credit of the Partner Prestige account**:

If the customer applies for an overdraft facility of HUF 400,000 in connection with the Partner Prestige account for a term of 1 year, the initial normal interest rate of the facility shall be 5.9%, where the interest rate is variable. For this calculation it is assumed that the total amount of the facility is drawn immediately, the specified credits are fulfilled during the term, and then the amount available from the facility is drawn in each case. The annual percentage rate of charge (APR) is 34.36%. Amount of the monthly instalment: HUF 1,967, which is the monthly interest amount calculated for the total utilisation of the facility. In the case of a facility taken at the conditions specified above, the total amount to be repaid by the consumer is HUF 519,600, where the total credit charge is HUF 119,600, which, apart from the amount of the transaction interest, includes the following item: current account closing fee of HUF 8,000.* The Bank ensures the special overdraft facility conditions specified in the List of Conditions connected to the Partner Prestige account package for a term of 2 years from the date of account opening. After the lapse of 2 years from account opening, the terms and conditions concerning UniCredit Overdraft Facility as set out in the document “Announcement — Loans without Real Estate Collateral” in its up-to-date version shall govern, with notice sent to the customer. The Bank may deviate from the 2-year period as per this section in the customer’s favour, and shall have the right to prolong it with notice to the customer.

* The Bank ensures the special overdraft facility conditions specified in the List of Conditions connected to the Partner Prestige account package for a term of 2 years from the date of account opening. After the lapse of 2 years from account opening, the terms and conditions concerning UniCredit Overdraft Facility as set out in the document “Announcement — Loans without Real Estate Collateral” in its up-to-date version shall govern, with notice sent to the customer. The Bank may deviate from the 2-year period as per this section in the customer’s favour, and shall have the right to prolong it with notice to the customer.

**The APR figure was determined taking into account the current terms and conditions, the laws currently in force and, in the case of the contractual fulfilment of the credit agreement, the closing fee refund connected to the Partner Prestige account package for the entire term of the credit (the normal closing fee of the account package is HUF 8,000 per month, which was taken into account in the calculation of APR); upon any change in the terms and conditions, the measure of APR may change, and its value does not reflect the interest rate risk of the credit in the case of variable interest rate loans.

CREDIT CARD

With the Partner Prestige account package, you can apply for a credit card at UniCredit at a discount annual interest rate equalling the prevailing central bank base rate +5% p.a. (monthly interest is 0.492%)! APR: 10,42%**

 

Additionally, the Issuer fee and annual Membership fee of UniCredit Orange, UniCredit Blue and UniCredit Gold credit cards applied for in relation to the account package are also released!*

 

* The Bank ensures the special conditions specified in the List of Conditions connected to the Partner Prestige account package for a term of 2 years from the date of account opening. After the lapse of 2 years from account opening, the terms and conditions set out in the document “List of Conditions for Credit Card Holding Retail Customers” in its up-to-date version shall govern, with notice sent to the customer. The Bank may deviate from the 2-year period as per this section in the customer’s favour, and shall have the right to prolong it with notice to the customer.

 

WHAT IS A CREDIT CARD GOOD FOR?

  • You can use it to make safe purchases in Hungary and abroad as well as in the internet;
  • with the contactless function your purchases are even more convenient;
  • in our cash refund promotion*** you may receive a refund of HUF 1 for every HUF 100 you spend, provided that you fulfil the specified requirements, and in this way you can save thousands of forints each year;
  • as opposed to a debit card, you are not spending your own money but your own personal credit line;
  • there are several options for the method of repayment to choose from (e.g. credit transfer, automatic direct debit, cash deposit).

 

Representative examples in case less than HUF 600,000 is booked per month to the credit of the Partner Prestige account:

 

For a credit line of HUF 500,000 in case of an UniCredit Orange credit card, the variable interest rate is 0.492% per month. If a credit card agreement is concluded with the Bank for an indefinite period, for each 1-month settlement period the annual percentage rate of charge (APR) in the first year is: 39.35%. If you spend the entire credit line right after receiving the card and for 11 months you only pay the minimum payable amount (monthly instalment) (whose initial amount is HUF 25,000, and subsequently 5% of credit card utilisation), then in the 12th month you settle your entire debt, in that case the total estimated credit charge shall be HUF 135,282, and the total estimated amount payable by the consumer HUF 635,282, which, in addition to the amount of transaction interest, includes the HUF 8,000 monthly closing fee of the Partner Prestige package as well.

 

For a credit line of HUF 500,000 in case of an UniCredit Blue credit card, the variable interest rate is 0.492% per month. If a credit card agreement is concluded with the Bank for an indefinite period, for each 1-month settlement period the annual percentage rate of charge (APR) in the first year is: 39.35%. If you spend the entire credit line right after receiving the card and for 11 months you only pay the minimum payable amount (monthly instalment) (whose initial amount is HUF 25,000, and subsequently 5% of credit card utilisation), then in the 12th month you settle your entire debt, in that case the total estimated credit charge shall be HUF 135,282, and the total estimated amount payable by the consumer HUF 635,282, which, in addition to the amount of transaction interest, includes the HUF 8,000 monthly closing fee of the Partner Prestige package as well.

 

For a credit line of HUF 750,000 in case of an UniCredit Gold credit card, the variable lending interest rate is 0.492% per month. If a credit card agreement is concluded with the Bank for an indefinite period, for each 1-month settlement period the annual percentage rate of charge (APR) in the first year is: 29.08%. If you spend the entire credit line right after receiving the card and for 11 months you only pay the minimum payable amount (monthly instalment) (whose initial amount is HUF 37,500, and subsequently 5% of credit card utilisation), then in the 12th month you settle your entire debt, in that case the total estimated credit charge shall be HUF 153,423, and the total estimated amount payable by the consumer HUF 903,423, which, in addition to the amount of transaction interest, includes the HUF 8,000 monthly closing fee of the Partner Prestige package as well.

 

Representative examples in case more than HUF 600,000 is booked per month to the credit of the Partner Prestige account**:

 

For a credit line of HUF 500,000 in case of an UniCredit Orange credit card, the variable interest rate is 0.492% per month. If a credit card agreement is concluded with the Bank for an indefinite period, for each 1-month settlement period the annual percentage rate of charge (APR) in the first year is: 10.42%. If you spend the entire credit line right after receiving the card and for 11 months you only pay the minimum payable amount (monthly instalment) (whose initial amount is HUF 25,000, and subsequently 5% of credit card utilisation), then in the 12th month you settle your entire debt, in that case the total estimated credit charge shall be HUF 38,282, and the total estimated amount payable by the consumer HUF 538,282, which, apart from the amount of transaction interest, does not include any other item.

 

For a credit line of HUF 500,000 in case of an UniCredit Blue credit card, the variable interest rate is 0.492% per month. If a credit card agreement is concluded with the Bank for an indefinite period, for each 1-month settlement period the annual percentage rate of charge (APR) in the first year is: 10.42%. If you spend the entire credit line right after receiving the card and for 11 months you only pay the minimum payable amount (monthly instalment) (whose initial amount is HUF 25,000, and subsequently 5% of credit card utilisation), then in the 12th month you settle your entire debt, in that case the total estimated credit charge shall be HUF 38,282, and the total estimated amount payable by the consumer HUF 538,282, which, apart from the amount of transaction interest, does not include any other item.

 

For a credit line of HUF 750,000 in case of an UniCredit Gold credit card, the variable lending interest rate is 0.492% per month. If a credit card agreement is concluded with the Bank for an indefinite period, for each 1-month settlement period the annual percentage rate of charge (APR) in the first year is: 10.42%. If you spend the entire credit line right after receiving the card and for 11 months you only pay the minimum payable amount (repayment instalment) (whose initial amount is HUF 37,500, and subsequently 5% of credit card utilisation), then in the 12th month you settle your entire debt, in that case the total estimated credit charge shall be HUF 57,423, and the total estimated amount payable by the consumer HUF 807,423, which apart from the amount of transaction interest does not include any other item.

 

** The APR figure was determined taking into account the current terms and conditions, the laws currently in force and, in the case of the contractual fulfilment of the credit agreement, the closing fee refund connected to the Partner Prestige account package for the entire term of the credit (the normal closing fee of the account package is HUF 8,000 per month, which was taken into account in the calculation of APR); upon any change in the terms and conditions, the measure of APR may change, and its value does not reflect the interest rate risk of the credit in the case of variable interest rate loans.

 

*** The details of the money refund action provided for retail credit cards and the terms and conditions of the credit can be found at https://www.unicreditbank.hu/en/individual/borrow/credit_card/statement.html .

MORTGAGE LOAN

In the case of a mortgage loan, for our customers holding Partner Prestige account packages, the Bank provides an interest rate by 0.25% more favourable than the standard retail conditions.

 

Therefore, as compared with mortgage loans provided at market terms, you may as well get a discounted interest rate of 2.00% if you fulfil the eligibility criteria for interest discount. APR: 2,52-6,19 %1 (APR calculated without the discounted interest rate is 4.24–7.90%). Minimum loan amount is HUF 5,000,000.

 

Our special offer for loans with a discounted interest rate is valid until withdrawal. As a precondition for the disbursement of mortgage loans, the customer should have a property insurance for the collateral real estate, pledged to the Bank, as well as an account at UniCredit Bank.

 

For more information on the details, the available discounted interest rates and their conditions, please refer to our dedicated advisor at the Bank.

 

Representative examples:

I. The representative examples were calculated based on the following conditions (in the course of the calculation, the interest rate discount set out in the “Special Conditions for Partner Prestige Account Package” was deducted from the interest rate calculated with TOP premium active interest discount):

 

  • mortgage loan with market interest rate against real estate collateral
  • loan amount (total amount of the loan): HUF 5,000,000
  • term: 20 years
  • number of monthly instalments: 240
  • the total credit charge is added up, besides transaction interest, from the following items:
    • fee charged for the transfer of the loan amount (in the case of home purchase, HUF 17,500)
    • 1 item of procedure fee charged by the land registry office HUF 12,600 (request for registration of mortgage)
    • fee charged for 1 item of land register extract retrieved from the Takarnet system HUF 1,000
    • if HUF 600,000 or more per month is credited to the account, the monthly closing fee of the Partner Prestige account package is HUF 0 (the normal closing fee of the account package is HUF 8,000 per month)
    • in the case of a 20-year loan provided at a fixed interest rate, only the following fees were taken into account besides the interest:
    • 1 item of procedure fee charged by the land registry office HUF 12,600 (request for registration of mortgage)
    • if HUF 600,000 or more per month is credited to the account, the monthly closing fee of the Partner Prestige account package is HUF 0 (the normal closing fee of the account package is HUF 8,000 per month)

 

In the case of transactions admitted by 31.12.2017, the fee charged for the calculation of collateral value is refunded, therefore, it was not taken into account for the determination of the total credit charge.

 

 

UniCredit housing loan

Interest rate type:

Variable rate

Fixed rate

 

Linked to reference rate

Changeable according to interest periods – 5-year interest period

20-year

Interest rate

2.03%

3.75%

5.49%

Amount of initial monthly instalments

HUF 25,518

HUF 29,863

HUF 34,661

APR1

2.52%

4.35%

6.19%

Total credit charge

HUF 1,356,700

HUF 2,443,436

HUF 3,624,935

Total amount payable by the consumer

HUF 6,356,700

HUF 7,443,436

HUF 8,624,935

 

You can get a TOP premium active discount (that is an interest rate discount from the normal interest rate) for the entire term of the loan, provided that you meet the following criteria:

  • HUF 300,000 per month should be received to the credit of your bank account from transfers3, and
  • you should have an adequate Generali payment protection insurance2 relating to the loan, and
  • you should have a new property insurance taken out by the Borrower at any UniCredit branch for the collateral real estate.

 

II. The representative examples were calculated based on the following conditions (in the course of the calculation, the interest rate discount set out in the “Special Conditions for Partner Prestige Account Package” was deducted from the normal interest rate):

 

  • mortgage loan with market interest rate against real estate collateral
  • loan amount (total amount of the loan): HUF 5,000,000
  • term: 20 years
  • number of monthly instalments: 240
  • the total credit charge is added up, besides transaction interest, from the following items:
    • fee charged for the transfer of the loan amount (in the case of home purchase, HUF 17,500)
    • 1 item of procedure fee charged by the land registry office HUF 12,600 (request for registration of mortgage)
    • fee charged for 1 item of land register extract retrieved from the Takarnet system HUF 1,000
    • normal monthly closing fee of the Partner Prestige account package HUF 8,000 per month
    • in the case of a 20-year loan provided at a fixed interest rate, only the following fees were taken into account besides the interest:
    • 1 item of procedure fee charged by the land registry office HUF 12,600 (request for registration of mortgage)
    • normal monthly closing fee of the Partner Prestige account package HUF 8,000 per month

 

In the case of transactions admitted by 31.12.2017, the fee charged for the calculation of collateral value is refunded, therefore, it was not taken into account for the determination of the total credit charge.

 

 

UniCredit housing loan

Interest rate type:

Variable rate

Fixed rate


Linked to reference rate

Changeable according to interest periods – 5-year interest period

20-year

Interest rate

3.78%

5.25%

7.24%

Amount of initial monthly instalments

HUF 29,943

HUF 33,976

HUF 39,867

APR*

6.97%

8.39%

10.34%

Total credit charge

HUF 4,131,786

HUF 5,107,957

HUF 6,513,737

Total amount payable by the consumer

HUF 9,131,786

HUF 10,107,957

HUF 11,513,737

 

* The APR figure was determined taking into account the current terms and conditions, the laws currently in force and, in the case of the contractual fulfilment of the credit agreement, the discounted interest rate connected to the Partner Prestige account package for the entire term of the credit (the normal closing fee of the account package is HUF 8,000 per month, which was taken into account in the calculation of APR); upon any change in the terms and conditions, the measure of APR may change, and its value does not reflect the interest rate risk of the credit in the case of variable interest rate loans. The creditor is not familiar with the premium of the property insurance to be taken out for the collateral real estate, hence the APR figure does not include such premiums.

1 The APR figure was determined jointly taking into account the current terms and conditions, the laws currently in force and, in the case of the contractual fulfilment of the credit agreement, the TOP premium active discount and the discount connected to the Partner Prestige account package, and furthermore the closing fee refund connected to the Partner Prestige account package for the entire term of the credit (the normal closing fee of the account package is HUF 8,000 per month); upon any change in the terms and conditions (including in case the interest rate is linked to a reference rate, any change in the reference rate), the measure of APR may change, and its value does not reflect the interest rate risk of the credit in the case of variable interest rate loans.

2 The customer may take out Generali Payment Protection Insurance by joining as an insured the group payment protection insurance contract taken out by the Bank as a Contracting Party; the insurance cover shall be maintained throughout the entire term of the loan by way of the continuous payment of the premiums.

3 In-Bank transfers between the customer’s own accounts do not qualify as a fulfilment of this condition for the purposes of Active, Active plus, Premium active and TOP premium active discounts.

Savings – A special offer of 3% HUF deposit interest rate for 2-month term deposits (UDRI 3.04%, the standard UDRI of 0.01%).

Plan your financial future consciously, and choose savings opportunities meet your life situation and plans!

Our customers with Partner Prestige account package may achieve an annual deposit interest rate of 3.00% if they invest their savings in our special offer of 2-month UniCredit HUF term deposits (UDRI 3.04%; standard UDRI 0.01%). It is one of eligibility criteria that the deposit should increase the amount of the customer’s savings held at the Bank.

Our experts will help you in placing your savings, whether you want time deposits, regular saving schemes or other investments. If certain criteria are met, you can even increase your wealth by investing in tax-free saving schemes.

1 The promotion is valid for 2 months calculated from account opening, and concerns deposits newly placed by private individuals (i.e. coming from outside the Bank) whereby the customer increases his/her savings held at UniCredit Bank as compared with a reference date determined in the List of Conditions for the Partner Prestige Package in its up-to-date version. For any further detailed terms of the special offer deposit, see the Bank’s List of Conditions for the Partner Prestige Package.

Dedicated contact person - Convenient administration

  • at special appointed hours, our colleagues are available at your workplace as well;
  • we support you in the free bank change process in case you want to make use of the advantages offered by UniCredit going forward.

Additional Partner Account packages for NOKIA Group employees:

Partner Aktív Plusz Package  - For those who want favorable transaction fees and account maintenance also.

Partner Ikon Plusz Package – It is a good choice for those to whom it is important to have transparent and predictable banking costs. The package offers a number of services free of charge in unlimited number for a fix monthly account handling fee. 



Are you interested, but have some questions to ask?

For further details, refer to our dedicated advisors, or call our central information hotline at +36 1 801 1868.

Our dedicated advisors:

Kornél Vitéz

Direct Sales Professional

+36 20 974 0104

vitez.kornel@dsf.unicreditgroup.hu


Balázs Eipel

Premium Banking Advisor

+36 30 255 6596

balazs.eipel@unicreditgroup.hu   

 

Have you made your decision?

You can start your bank account application by submitting your personal data.

You can register by 15.11.2017. On the basis of the submitted data, our colleagues will contact you so that you can agree on the details of the account opening. If you want to apply for this specific account package, preliminary registration is a condition precedent for the account opening. The Bank will use the data only for the purposes of the data reconciliation necessary for the account opening, and shall store the same until 15.12.2017 only.

Related documents:

Special Conditions for the UniCredit Partner Prestige Package    
Employer’s Certificate – For Partner Packages
   
Employer’s Certificate – Complete, for other products

The detailed terms & conditions, as well as a detailed description of bank account agreements and the term deposit agreement are included in the Bank’s Lists of Conditions from time to time in effect, its announcements concerning the given product and its Business Rule Books, which are available in our website as well as at our branches.

Our documents Responsible Lending and Banking Glossary may help you get informed about our credit products, and in the website of the Financial Consumer Protection Centre of the National Bank of Hungary you can find product descriptions that support responsible decision making and apps that enable comparisons. Please make a responsible and prudent borrowing decision, taking your income situation into account. Throughout the lifetime of the loan, you must maintain an account kept at UniCredit Bank. As a precondition for a mortgage loan, the customer should have a property insurance for the collateral real estate, pledged to the Bank.

APR has been calculated in accordance with current conditions and in consideration for prevailing applicable laws, and its value is subject to change upon any change in such conditions. For loans with variable interest rates, the value of the APR does not reflect the interest rate risk of the loan.

This information is not all-inclusive. The terms of the credit products listed above are included in the List of Conditions for Retail Customers of UniCredit Bank Hungary Zrt. and its Announcements concerning the conditions of credit products offered to private individuals (“Announcement – Conditions of Loans Provided by UniCredit Bank Hungary Zrt. to Private Individuals”). The Bank reserves the right to amend its terms and conditions. The Bank shall take decision on providing the loan based on the submitted documents, in accordance with the provisions of its List of Conditions in its up-to-date version, its General Terms & Conditions, Retail Rule Book and Bankcard Rule Book, based on its own credit evaluation. Our Lists of Conditions and Announcements are available in the branch network of UniCredit Bank, as well as in its website.

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