Výročná správa PSS, a. s., za rok 2009 [3 - Prvá stavebná sporiteľňa

II
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lion which were used by clients for the modernization
and reconstruction of properties. Another
€82.02 million was invested into the purchasing
of apartments or houses, for new developments
it was in an amount of €20.92 million. For other,
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For the year 2009 PSS a.s. concluded with building
savings for legal entities 934 new contracts
for building savings in the amount of €80.42
million. The average target amount for thies
contracts was €86,099. For the term of 2009,
PSS a.s. approved 322 building loans for legal
entities and bridge loans in the amount of
€27.84 million.
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From 1.1.2009 the terms for contractual cancelations
was changed, which means that
a monthly term for cancelation, which begins on
the day of delivery of notice. (Exceptions were
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6 year term of duration to the day of cancelation,
in this case cancelation term was 2 days)
From February 2009 changes to terms for dividing
of contracts was made, whereas minimal
separable amount was set at €100, also new rules
were established which stated that at time
of raising target amount, the client must have
a minimal deposit on his separate contract in the
amount of €400
From March 2009 clients of PSS a.s. had the opportunity
to sign agreements with an interest
bonus and from October 2009 the PSS a.s. portfolio
offered a new tariff – Senior extra; con-
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older the 55 years of age, who have the opportunity
after closing a target amount to have paid
to them the saved amount in the form of rent
and that with an interest rate of up to 3%.
From February 2009 PSS a.s. offers its XXL loan,
only with a right of lien to the title. With every
type of loan all participants’ debts are checked
(except owners of the property, if they are
a third person). From June 2009 there have been
also changes to the amount of a right of lien
to a properties value, if an unknown client the
maximum load amount of a lien is up to 70%
of the real market value of the property, with
a known client it is a maximum lien of 90% market
value of the property. From 2009, PSS a.s.
accepts students as debtors, and this in the case
that his parent becomes a guarantor and codebtor.
Throughout the entire year of 2009 long
term clients of PSS a.s. had the option of requesting
of further loans, which they had the option
of utilizing at preferred rates. From September
until the end of the year 2009, PSS a.s. offered
bridge loans with a lien title and a yearly interest
rate of 3.99%.
From January 2009 there was a change in the
height of interest rate for the minimum target
amount within the bridge loan for resident co-operatives
and owners of property, property cooperatives,
and property management of buildings.
Within the bridge loan there was a change
in some interest rates and this dependent on
the target amount and initial deposit. Minimum
amount of the target amount of a bridge loan
for above-mentioned entity was from 1.1.2009
set at €15,000. With it coming into affect on January
15, 2009, security for a bridge loan was
also updated, for group owners, owner co-operatives
and property management. This update
refers to the maximum amount of a loan of
a target amount calculated to one apartment,
respectively to the owner of the building. Stated
terms were updated again on June 2, 2009
the maximum amount for a loan and its target
amount for a bridge loan with a loan secured by
a lien on the title and independent guarantee as
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- In Bratislava from €13,000 to €16,500
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€10,000
- In regional towns a maximum of €7,500
- In other locations to a maximum of €5,000
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for legal entities as follows. These were in regard
to contracts for building savings concluded
up to January 1, 2009 within the tariff SK or RR,
with a target amount from €15,000 to €49,000.
In case the legal entity is entitled to more, they
can access more, while in keeping with terms
that the whole total of the target amount does
not exceed €49,900. If a client, legal entity has