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Prima Casa Housing Loans Models

Banca Intesa has created unique housing loans models – Prima Casa with one-year grace period. Banca Intesa offers housing loans without the need to repay instalments during the first year to the clients buying a property which is not ready to move into or to those facing the problems of a lack of funds to cover other loan costs or flat furnishing.

Prima Casa housing loans models imply the following loan types:

  • Housing loans insured with the National Mortgage Insurance Corporation
  • Housing loans subsidized by the state
  • Housing loans for the ‘’Intesa gradnja“ project

All housing loans models are indexed in euros and granted for up to a 30-year repayment period and a 12-month grace period. Depending on the specific model, the interest rate for mortgage loans ranges from 4.25 per cent plus a six-month EURIBOR. Regardless of the loan model they opt for, once a year the clients are provided with the option of early repayment of up to 20 per cent of the remaining debt, with no fee charged. The possibility of repaying the loan together with another credit worthy client as a co-debtor represents an additional advantage.

To the clients that opt for one of Prima Casa housing loans models, Banca Intesa offers the possibility of obtaining a cash loan in dinars, which is in this case at disposal without the requirement of deposit or down payment and with an effective interest rate of 15 percent at an annual level, without any fees.