Mortgage loan for mortgage loans refinancing
We are offering you the possibility of refinancing of the mortgage loan taken at another bank, at an attractive interest rate and smaller monthly annuity. Loan can be repaid with another person who doesn’t have to be a member of your family.
- Terms of the loans
- Example for clients
- Loan Calculator
- I want this loan
| Loan type | Mortgage loan for the refinancing of mortgage loan approved at another bank |
| 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 360 months |
| Amount of loan | from EUR 10,000 - to the amount of debt the client has on the basis of mortgage loan, on the basis of the confirmation issued by the bank at which the loan is refinanced, and up to 80% maximum of the estimated value of real estate on which the mortgage is established |
| Down payment | No down payment |
| Interest rate (annual) | From 6M EURIBOR + 3,99% to 6M EURIBOR + 4,65%, 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 basic 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 - 3.9.2015
| Type of loan | Mortgage loan for the refinancing of mortgage loan approved at another bank | |
| 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 | 360 months | |
| Monthly instalment | 132,86 EUR | |
| Interest rate (at an annual level) | 6M EURIBOR + 3,29%, variable* | |
| Without life insurance | With life insurance | |
| EIR (at an annual level) | 3,91% | 4,42% |
| Costs to be borne by the user that are known at the moment of publication | ||
| Bank's loan request processing fee | No fee | |
| NMIC fee | 30 EUR | |
| NMIC insurance premium | 525 EUR | |
| 3 bills of exchange | 150 RSD | |
| Credit Bureau expenses | 246 RSD | |
| Life insurance | no | 100 EUR |
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