Product description

Mortgage loans are intended for those who would like to invest in their own business, refinance existing loans or simply need more cash. They can also be used for purcahsing or building a new home.

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Conditions for loan approval

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Detailed information

Mortgage loan
Annual nominal interest rate
Fixed: 7.95% – 9.95% (depending on the Borrower’s category) Variable: 6.95% – 8.95% + 6M EURIBOR (depending on the Borrower’s category)
Loan processing fee (charged one-off upon loan disbursement)
0,50 % – 2,00 %
Fee for data use from the CBCG credit register
3,50 EUR
Fee for premature loan repayment
1.00% of the loan amount that is prematurely repaid if the period between the day of early repayment and maturity date from the loan agreement is longer than 12 months and only for amounts higher than EUR 10,000.00. 0.50% of the loan amount that is prematurely repaid if the period between the day of early repayment and the maturity date from the loan agreement is not longer than 12 months and only for amounts higher than EUR 10,000.00.
Annual penalty interest
Nominal increased for 50%
Maturity period
From 6 to 120 mjeseci
Representative example
For the amount of the mortgage loan of EUR 50,000.00 and the repayment period of 60 months, the nominal interest rate (NIR) is 8.95%, while the effective interest rate (EIR) is 9.83% . In calculation of effective interest rates (EIR), nominal interest rate is included, one-time loan processing fee of 0.50% of the loan amount (EUR 250.00), fee for 2 bills of exchange (EUR 4.00), fee for inquiry into the CBCG Credit Register -RKB (EUR 3.50), the cost of a life insurance policy EUR 267.87 (The amount of the premium is paid once and depends on the client’s health condition, the cost of making a pledge statement (EUR 250), the cost of obtaining proof of ownership of real estate (5.00 EUR), the cost of registering a pledge on real estate (31.50 EUR) the cost of property insurance policy (39.40 EUR), the cost of real estate appraisal (80 EUR), (Total: 931.27 EUR). The total amount that the client should pay is 62,616.28 EUR, while the amount of the monthly annuity is 1,028,30 EUR. The total amount paid by the client is the sum of the principal, total interest and other fees related to the loan approval.

The amount of the life insurance policy premium is paid once and depends on the client’s health condition. The approximate age taken in the example is 40 years, gender male.

The area of the residential building taken in the example is 34m2, construction value 700 EUR per m2. Other costs, such as real estate appraisal costs, real estate insurance policies, contracts of mortgages, mortgage registration, as well as fees for issuing real estate lists – are not included in the calculated EIR.
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