Loans for adaptation and reconstruction of residential property
Loans for adaptation and reconstruction of residential property insured at the NMIC
- Terms of the loans
- Example for clients
- Loan Calculator
- I want this loan
Terms of the loan
| Type of loan | Mortgage loan for adaptation and reconstruction of residential property |
| Loan currency | EUR |
| Criteria for indexing | In dinar equivalent value at the NBS middle exchange rate on the day of loan disbursement |
| Period for which the loan is approved | From 13 to 240 months |
| Amount of loan | from EUR 5,000 –to 70% of the amount of estimated value of real estate on which the mortgage is established, but no more than the amount stated in the estimated bill of quantities |
| Down payment | No down payment |
| Manner of loan disbursement | Funds are transferred in maximum 4 tranches, as follows:
Period of use is 90 days maximum of the day of conclusion of the loan agreement. |
| Interest rate (annual) | From 6M EURIBOR + 3,29% to 6M EURIBOR + 3,85%, variable* |
| Costs to be borne by the user that are known at the moment of publication and are included in the calculation of the effective interest rate | |
| Bank’s loan request processing fee | No fee |
| NMIC fee | 30 EUR |
| NMIC insurance premium | from 1,5% on the amount of the loan granted by the Bank |
| 3 bills of exchange Credit Bureau expenses | 150 RSD 246 RSD |
| Costs to be borne by the user that are not known at the moment of publication | |
Assessment of value of the real estate, costs of obtaining documentation, pledge statement certification, cost of filing request for the registration of mortgage, real estate insurance– annual, cost of current accounts maintenance (depending on whether the loan beneficiary already has an open current account at the Bank) | |
Representative example - 4.9.2015
| Type of loan | Mortgage loan for adaptation and reconstruction of residential property | |
| Loan currency | EUR | |
| Criteria for indexing | In dinar equivalent value at the NBS middle exchange rate on the day of loan disbursement | |
| Amount of loan | 30.000 EUR | |
| Down payment | No down payment | |
| Repayment period | 240 months | |
| Monthly instalment | 172,28 EUR | |
| Interest rate (annual) | 6M EURIBOR + 3,99%, variable* | |
| Without life insuraance | With life insurance | |
| EIR (annual) | 4,04% | 4,58% |
| Costs to be borne by the user that are known at the moment of publication and are included in the calculation of the effective interest rate | ||
| Bank's loan request processing fee (0,5%) | 150 EUR | |
| NMIC fee | 30 EUR | |
| NMIC insurance premium (1,5% + 0,25%) | 525 EUR | 450 EUR |
| 3 bills of exchange | 150 RSD | |
| Credit Bureau expenses | 246 RSD | |
| Life insurance | no | 100 EUR |
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