Depends on the borrowers creditworthiness

Purchase, construcstion, consturcting annexe and adaptation of housing

978 - EUR 

Up to 25 years

Up to 12 month*

Min. 20,00% 

No down payment if the loan amount isn't bigger than 80,00% of the value of mortgage property

7.30% - 7.90% p.a.

Fee of the Banke

(in a lump sum)

0.50% LTV ratio lower than or equal 80,00

1.50% LTV ratio greather than 80,00

Fixed fee: 30,00 EUR

Percentage fee:

1.50% LTV ratio lower than or equal 70,00

2,50% LTV ratio greather than 70,00, but lower than or equal 80,00

3,50% LTV ratio greather than 80,00, but lower than or equal 90,00

Fee increases by:

0,25% if beneficiary has no life insurance;

0,50% if the collateral is a mortgage on unregistered real estate;

0,15% if the collateral for the loan is a mortgage legalized in accordance with Low of planning and constructing

Depends on the borrowers creditwothiness, fee increases by:

0,50% if debt/sallary ratio is equal or greather than 60,00

1,00% if debt/sallary ratio is equal or greather than 70,00

1.50% if debt/sallary ratio is equal or greather than 80,00

 -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

- loan insurance with NMIC  

LTV ratio 80,00

Debt/sallary ratio with new annuity 65,0%

Object is legalized

Without life insurance 

* all fees are calculated upon FX course EUR/RSD on 05.12.2011.

3.103,25 RSD (30,00 EUR, fixed fees)

72.409,19 RSD (2,50%, 700,00 EUR,LTV=80,00)

7.240,92 RSD (0,25%, 70,00 EUR)

14.481,84 RSD (0,50%, 140,00 EUR, debt/sallatory debt >60)

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)