With fixed interest rate for a period of up to 180 months
• No annual loan administration fee
• No mandatory life insurance
• 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
- Want a loan?
| Minimum conditions for employment and receipt of salary | Full-time employment and receipt of salary through the account opened with Banca Intesa, at the latest by loan disbursement |
| Type of loan | Housing loan for purchasing residential property owning the energy efficiency passport type C |
| 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 13 to 180 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 |
| Interest rate | From 3,29% Fixed |
| 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 | From 0,5% of loan amount |
| Bills of exchange (three) | 150 RSD |
| 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** |
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 loan terms apply to clients from the Magnifica segment in Banca Intesa.
| Type of loan | Housing loan for purchasing residential property owning the energy efficiency passport type C | |
| 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 | 180 meseci | |
| Monthly installment | 212,11 EUR | |
| Interest rate | 3,29% fixed* | |
| 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 | 3,89%
| 4,49% 40.796,11 EUR |
| Costs which are borne by the user, that are known at the time of publication | ||
| The fee for processing the loan application | From 0,5% of loan amount | |
| Bills of exchange (three) | 150 RSD | |
| 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** |
** 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.