With variable interest rate insured with the National Mortgage Insurance Corporation (NKOSK), for a period from 181 to 360 months



Banca Intesa housing loans provide the following benefits:

  • Loan approval without mandatory life insurance
  • No fee for annual loan administration
  • Repayment period up to 30 years
  • Loan may be repayed with another creditworthy person in the capacity of co-debtor
  • Loan Features
  • Representative example
  • Credit calculator
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Type of loan

Housing loan for residential property purchase

Loan currency

EUR

Criteria for indexing

Dinar equivalent per NBS middle exchange rate on the date of loan disbursement

Period for which the loan is granted

From 181 to 360 months

Loan amount

From 10.000 EUR - to 80% from the amount of the purchase and sales value of real estate purchased from the loan or its estimated value (lower value is taken) or estimated value of real estate when the mortgage is being constituted on the real estate purchased from the loan

Participation

Minimum 20% from the purchase and sales value of the real estate
(if the value of another registered real estate over which the mortgage is being constituted is higher than the loan amount for a minimum of 30%, the participation is not required)

Interest rate
(on an annual basis)

From 2,63% to 2,82% (from 6M EURIBOR+2,90% to 6MEURIBOR + 3,09%), variable*

Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate.

The fee for processing the loan application

From 0,5% to 1% on the amount of Bank’s Loan

Bills of exchange (three)

150 RSD

National Mortgage Insurance Corporation (NKOSK) fee

30 EUR**

NKOSK insurance premium

Od 1,5% on the amount of Bank's Loan

Can be increased in accordance with the method of calculating insurance premiums of NKOSK

Basic credit bureau report

246 RSD**

Certification of pledge statement

10.080 RSD**

Property insurance - annually

40 EUR**

Issuance of real estate folio

10 EUR**

Property evaluation

100 EUR**

The fee for registration of mortgage

20.000 RSD**

Life insurance - annually (optional)

100 EUR**

* Quarterly adjustment of the interest rate with the size of 6M EURIBOR (on March 28th, June 28th, September 28th and December 28th), and size of the interest rate when disbursing the loan corresponds to the interest rate determined for the current quarter. For loans approved up to 28th of the month, an intercalary interest shall be calculated for the period from the day of loan disbursement up to the day of transfer in repayment, at an interest rate that is equal to the contractual interest rate. Intercalary interest is charged upon the expiration of the period of use on the 28th of the month. The value of 6M EURIBOR on the date of 28.06.2017 was used for the calculation, which amounts to -0.27%.

Other calculations related to this product can be obtained in the centres for Mortgages and larger branches of our Bank.

** Costs borne by the user, which are included in the calculation of the effective interest rate, on the amount of which the Bank has no influence. Please note that these are indicative (average) values, which are not influenced by the Bank, and which depend on the fees and charges of the courts, Geodetic Authority, on insurance premiums of the insurance companies, etc.

Representative example (calculation date 05 July 2017)

Type of loan

Housing loan for residential property purchase

Loan currency

EUR

Criteria for indexing

Dinar equivalent per NBS middle exchange rate on the date of loan disbursement

Real estate purchase and sales price

43.000 EUR

Participation of the client

13.000 EUR

Loan amount

30.000 EUR

Repayment period

360 months

Monthly installment

121,18 EUR

Interest rate
(on an annual basis)

2,63% (6M EURIBOR+2,90%) variable*


Calculation example without life insurance

Calculation example with life insurance

Effective Interest Rate

(on an annual basis)

3,21%

3,74%

Costs which are borne by the user, that are known at the time of publication

The fee for processing the loan application

150 EUR (0,5% on the amount of Bank’s Loan)

Bills of exchange (three)

150 RSD

National Mortgage Insurance Corporation (NKOSK) fee

30 EUR**

NKOSK insurance premium

525 EUR ** (without life insurance – 1,5%+0,25%)

450 EUR ** (with life insurance – 1,5%)

Basic credit bureau report

246 RSD**

Certification of pledge statement

10.080 RSD**

Property insurance - annually

40 EUR**

Issuance of real estate folio

10 EUR**

Property evaluation

100 EUR**

The fee for registration of mortgage

20.000 RSD**

Life insurance - annually (optional)

none

100 EUR**

* Quarterly adjustment of the interest rate with the size of 6M EURIBOR (on March 28th, June 28th, September 28th and December 28th), and size of the interest rate when disbursing the loan corresponds to the interest rate determined for the current quarter. For loans approved up to 28th of the month, an intercalary interest shall be calculated for the period from the day of loan disbursement up to the day of transfer in repayment, at an interest rate that is equal to the contractual interest rate. Intercalary interest is charged upon the expiration of the period of use on the 28th of the month. The value of 6M EURIBOR on the date of 28.06.2017 was used for the calculation, which amounts to -0.27%.

Other calculations related to this product can be obtained in the centres for Mortgages and larger branches of our Bank.

** Costs borne by the user, which are included in the calculation of the effective interest rate, on the amount of which the Bank has no influence. Please note that these are indicative (average) values, which are not influenced by the Bank, and which depend on the fees and charges of the courts, Geodetic Authority, on insurance premiums of the insurance companies, etc.

Loan calculator

Amount (EUR)
10.000,00
250.000,00
Number of instalments
181
360
Instalment amount (EUR)

Results are for information purposes

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Our housing loan specialists are expecting you at:

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