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

• Our interest rates have never been lower, starting from 2.37% (EIR from 3.15%) for loans in Euros.
No loan processing fee until 31/ 3/ 2019.
• No early loan repayment charge
• No annual loan administration fee
• No mandatory life insurance
• You can refinance the loan with another person having a good credit standing in the capacity of a joint debtor
• A loan with a fixed interest rate over the entire repayment period of up to 15 years is also on offer
• An affordable cash loan for furnishing the apartment

  • 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 2,53% to 2,67% (from 3M EURIBOR+2,85% to 3M 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

No fee

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**

*Harmonization of interest rate with the level of 3M EURIBOR on a quarterly basis (March 30, June 30, September 30 and December 30), and the level of interest rate at loan disbursement corresponds to the interest rate established for the current quarter. For loans approved until 30th 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 30th in month. The value used for the calculation was 3M EURIBOR as of June 30, 2018 amounting -0,32%. 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 30 August 2018)

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

119,59 EUR

Interest rate
(on an annual basis)

2,53% (3M EURIBOR+2,85%) variable*


Calculation example without life insurance

Calculation example with life insurance

Effective Interest Rate

(on an annual basis)


The total loan amount that that user has to pay against the loan

3,07%



45.214,39 EUR

3,61%



48.239,39 EUR

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

The fee for processing the loan application

No fee

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**

*Harmonization of interest rate with the level of 3M EURIBOR on a quarterly basis (March 30, June 30, September 30 and December 30), and the level of interest rate at loan disbursement corresponds to the interest rate established for the current quarter. For loans approved until 30th 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 30th in month. The value used for the calculation was 3M EURIBOR as of June 30, 2018 amounting -0,32%. 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.

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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