Insured with the National Mortgage Insurance Corporation (NKOSK), for a period from 13 to 180 months

Banca Intesa provides the possibility of refinancing a housing loan approved by other bank with more favorable interest rate and lower monthly installment. Special benefit with this type of loans is that you may repay it with another person, that need not be a member of your family.

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Type of loan

Loans for Refinancing Housing Loans Approved by Other Bank

Loan currencyEUR
Criteria for indexing

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

Period for which the loan is grantedfrom 13 to 180 months
Loan amount

From 10.000 EUR – up to the amount of debt the client under the housing loan, based on a confirmation issued by the bank which refinances the loan, up to 80% of appraised value of real estate mortgage is instituted on

ParticipationNo participation
Interest rate
(on an annual basis)
From 2,52% (6M EURIBOR + 2,79%) 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 applicationNo fee
Bills of exchange (three)150 RSD
National Mortgage Insurance Corporation (NKOSK) fee30 EUR**

NKOSK insurance premium

From 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 report246 RSD**
Certification of pledge statement10.080 RSD**
Property insurance - annually40 EUR**
Issuance of real estate folio10 EUR**
Property evaluation100 EUR**
The fee for registration of mortgage20.000 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 04 July 2017)
Type of loanLoans for Refinancing Housing Loans Approved by Other Bank
Loan currencyEUR
Criteria for indexing

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

Real estate purchase and sales price30.000 EUR
Participation of the clientNo participation
Repayment period180 months
Monthly installment200,85 EUR
Interest rate
(on an annual basis)
2,52% (6M EURIBOR + 2,79%), variable.*

Calculation example without life insuranceCalculation example with life insurance

Effective Interest Rate

(on an annual basis)
3,29%3,87%
Costs which are borne by the user, that are known at the time of publication
The fee for processing the loan applicationNo fee
Bills of exchange (three)150 RSD
National Mortgage Insurance Corporation (NKOSK) fee30 EUR**

NKOSK insurance premium

525 EUR ** (without life insurance – 1,5%+0,25%)450 EUR ** (with life insurance– 1,5%)
Basic credit bureau report246 RSD**
Certification of pledge statement10.080 RSD**
Property insurance - annually40 EUR**
Issuance of real estate folio10 EUR**
Property evaluation100 EUR**
The fee for registration of mortgage20.000 RSD**
Life insurance - annually (optional)None100 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
500.000,00
Number of instalments
13
180
Instalment amount (EUR)

Results are for information purposes

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Our housing loan specialists are expecting you at:

Intesa Casa centers and branches all over Serbia