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HOUSING LOAN FROM THE BANK RECOURSES WITHOUT LOAN INSURANCE WITH NMIC
| Amount |
Depends on the borrowers creditworthiness |
|
| Purpose |
Purchase, construcstion, consturcting annexe and adaptation of housing, as well as financing of construction land purchase |
|
| Currency of loan |
978 - EUR |
|
| Maturity |
Up to 25 years |
|
| Grace period |
Up to 12 month* |
|
| Down payment |
Min. 35% if loan collateral is the subject of purchase
No down payment if the loan amount isn't bigger than 65% of the value of mortgage property. |
|
| Nominal interest rate (fixed, annual) |
From 7.50% - 8.10% p.a. |
|
| Fee |
1.50% in a lump sum |
|
| Security |
-Two (2) promissory notes - first mortgage assigned in favour of the Bank - insurance of the property of construction value aganist basic risks and additional risks of water flow with the policy asigned in favour of the Bank. |
|
Representative example - on date 05.12.2011.
| The value of the property that is being purchased | 35.000,00 EUR |
| Down payment 20,00% | 12.250,00 EUR |
| Loan amount | 22.750,00 EUR |
| Annuity | 164,50 EUR |
| Maturity | 25 godine |
| Nominal interest rate | 7,50% |
| Colateral | Promissory note and mortgage |
| Banks fee | 42.447,78 RSD (1,50%, 420,00 EUR) |
| Other fees regarded to collateral |
205,00 RSD - Credit birou 100,00 RSD - 2 promissory note
10.344,17 RSD - Assesment (100 EUR) 1.034,42 RSD - (10 EUR) 550,00 RSD - Legal fees 13.792,74 RSD - Registration of mortgage (0,2%+8.000din) 4.137,67 RSD - Insurance of morgage (40 EUR)
|
| Total repayment amount | 49.468,04 EUR |
| Efecitve interest rate | 7,84% p.a. |
* all fees are calculated upon FX course EUR/RSD on 05.12.2011.
*The clients who use loan funds for housing construction / refurbishment are entitled to grace period.
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(032) 302-105, 302 169, 302-293, 320-652 |
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