• Loan amount: €10,000.
• Commitment fee: €0.
• Repayment period: 8 years (96 months).
• Constant monthly payment: €126.36.
• Interest rate: 4.95% NIR (5.22% APR).
• Total to repay: €12,197.96

The APR was calculated taking into account postage expenses: €0.70 monthly.

If you need to open a checking account exclusively for managing this loan, and if the conditions for having no maintenance fees on said account are not met, the fee will be €120 per year. Therefore, the APR of the loan would be 7.47%, with a total cost of €13,157.96.