With fixed interest rate for a period of up to 180 months

• No mandatory insurance with NKOSK
• 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
(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 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.

Representative example (calculation date 22nd April 2019)

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
(on an annual basis)

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%



39.296,11 EUR

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**

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

iznos_kredita! (EUR)
10.000,00
250.000,00
Number of instalments
13
360
Instalment amount (EUR)

Results are for information purposes

Fill application

And we will contact you as soon as possible

Loan

Terms of use





Uspešno ste aplicirali za proizvod.


Our housing loan specialists are expecting you at:

Intesa Casa centers and branches all over Serbia

Retail banking