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

Make your living space more functional, comfortable and more beautiful with Banca Intesa loans for renovation and reconstruction of residential property. With more favorable interest rate and no participation you may enjoy more comfortable and better living space.

All additional information and advice related to this and other housing loans may be received in specialized Intesa Casa centers.

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Type of loan

Housing loan for renovation and reconstruction of residential property insured with the National Mortgage Insurance Corporation (NKOSK) from13 to 180 months

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 5.000 EUR – up to 70% 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

Method of loan disbursement
No participation

The funds are transferred in maximum of 4 tranches namely:


  • maximum up to 50% to the current account of loan user
  • the rest, by bank transfer, based on delivered pro forma invoices to the current accounts of vendors or contractors until the difference from the bill of quantities and estimate of works
Usage period is maximum 90 days from the date of loan agreement conclusion.
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 applicationFrom 0,5% to 1% (on the amount of Bank's Loan)
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 05 July 2017)
Type of loan

Housing loan for renovation and reconstruction of residential property insured with the National Mortgage Insurance Corporation (NKOSK) from 13 to 180 months

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
ParticipationNo 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)
3,37%3,94%
Costs which are borne by the user, that are known at the time of publication
The fee for processing the loan application150 EUR (0,5% on the amount of Bank's Loan)
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**

* 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.

The presented representative example is valid for Magnifica segment clients in Banca Intesa.

Loan calculator

Amount (EUR)
5.000,00
500.000,00
Number of instalments
13
180
Instalment amount (EUR)

Results are for information purposes

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