Insured with the National Mortgage Insurance Corporation (NKOSK), for a period from 181 to 240 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) from 181 to 240 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 181 to 240 months
Loan amount

From 5.000 EUR – up to 70% of the estimated value of the real estate on which the mortgage is being constituted, not exceeding the amount as stated in the bill of quantities and estimate of works

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 2,58% to 2,72% (from 6M EURIBOR + 2,85% to 6M EURIBOR + 2,99%), 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
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**
*Harmonization of interest rate with the level of 6M EURIBOR on a quarterly basis (March 28, June 28, September 28 and December 28), and the level of interest rate at loan disbursement corresponds to the interest rate established for the current quarter. For loans approved until 28th in month, the intercalary interest shall be calculated from the date of loan disbursement to the date of transfer in repayment, at the interest rate equaling the contracted interest rate. The intercalary interest shall be charged upon the expiration of the utilization period on 28th in month. The value used for the calculation was 6M EURIBOR as of March 28, 2018 amounting -0,27%. The loan shall be repaid in accordance with the NBS middle exchange rate ruling for EUR on the date of maturity of annuity. A change of EUR exchange rate against RSD may lead to significant change of total amount in RSD which is subject to repayment.

Other calculations related to this product can be taken over at Intesa Casa centers and larger Bank’s branches.

** Costs to be borne by the Beneficiary, included in the calculation of effective interest rate, on which the Bank has no influence. Please note that this concerns framework (average) amounts on which the Bank has no influence, and which depend on court taxes and fees, Republic Geodetic Authority, premium insurance of Insurance Companies and the like. The presented representative examples apply also to clients from the Magnifica segment of Banca Intesa.

The presented representative example applies to clients from the Magnifica segment in Banca Intesa.
Representative example (calculation date 28 March 2018)
Type of loan

Housing loan for renovation and reconstruction of residential property insured with the National Mortgage Insurance Corporation (NKOSK) from 181 to 240 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 period240 months
Monthly installment160,71 EUR
Interest rate
(on an annual basis)
2,58% (6M EURIBOR + 2,85%), variable.*

Calculation example without life insuranceCalculation example with life insurance

Effective Interest Rate

(on an annual basis)

The total loan amount that that user has to pay against the loan
3,24%




40.292,61 EUR
3,80%




42.217,61 EUR
Costs which are borne by the user, that are known at the time of publication
The fee for processing the loan application
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**
*Harmonization of interest rate with the level of 6M EURIBOR on a quarterly basis (March 28, June 28, September 28 and December 28), and the level of interest rate at loan disbursement corresponds to the interest rate established for the current quarter. For loans approved until 28th in month, the intercalary interest shall be calculated from the date of loan disbursement to the date of transfer in repayment, at the interest rate equaling the contracted interest rate. The intercalary interest shall be charged upon the expiration of the utilization period on 28th in month. The value used for the calculation was 6M EURIBOR as of March 28, 2018 amounting -0,27%. The loan shall be repaid in accordance with the NBS middle exchange rate ruling for EUR on the date of maturity of annuity. A change of EUR exchange rate against RSD may lead to significant change of total amount in RSD which is subject to repayment.

Other calculations related to this product can be taken over at Intesa Casa centers and larger Bank’s branches.

** Costs to be borne by the Beneficiary, included in the calculation of effective interest rate, on which the Bank has no influence. Please note that this concerns framework (average) amounts on which the Bank has no influence, and which depend on court taxes and fees, Republic Geodetic Authority, premium insurance of Insurance Companies and the like. The presented representative examples apply also to clients from the Magnifica segment of Banca Intesa.

The presented representative example applies to clients from the Magnifica segment in Banca Intesa.

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