Mortgage loans insured at the NMIC
- Terms of the loans
- Example for clients
- Loan Calculator
- I want this loan
| Type of loan | Mortgage loan for the purchase of real estate |
| 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 80%* of the amount of sale and purchase value of the real estate that is obtained from out of the loan or its estimated value (lower value is taken into account), i.e. the estimated value of real estate when mortgage is established on the real estate that is not obtained out of the loan |
| Down payment | minimum 20% of the sale and purchase value of real estate (if the value of the other real estate entered into register on which the mortgage is established is higher than the amount of the loan by minimum 30%, down payment is not necessary) |
| 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 | from 0.5% to 1% to the amount of loan granted by the Bank |
| NMIC fee | 30 EUR |
| NMIC basic insurance premium | from 1.5% to the amount of 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 - 9.7.2015
| Type of loan | Mortgage loan for the purchase of real estate | |
| Loan currency | EUR | |
| Criteria for indexing | Loan with a currency clause, calculated at the NBS middle exchange rate | |
| Sale and purchase price of the real estate | 43.000 EUR | |
| Down payment | 13.000 EUR | |
| Amount of loan | 30.000EUR | |
| Repayment period | 360 months | |
| Monthly instalment | 144,96 EUR | |
| Interest rate (at an annual level) | 6M EURIBOR+3,99% variable* | |
| Without life insurrance | With life insurrance | |
| EIR (at an annual level) | 4,70% | 5,19% |
| Costs to be borne by the user that are known at the moment of publication | ||
| Bank's loan request processing fee (0,5%) | 150 EUR | |
| NMIC fee | 30 EUR | |
| NMIC basic insurance premium | 525 EUR | 425 EUR |
| 3 bills of exchange | 150 RSD | |
| Credit Bureau expenses | 246 RSD | |
Life insurance | no | 100 EUR |
Other calculations in connection with this product may be taken over at any branch of the Bank.
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