Loan is granted to the client who meets the following conditions:
Loans are approved for the following purposes:
Minimum loan amount:
RSD 1,000,000.00
Maximum loan amount:
Repayment period:
From 36 to 180 months
Loan is repaid in equal monthly annuities due on the last day of the month.
Bank calculates and charges interest on the amount of the approved housing loan at the following rate:
The interest rate is changed twice a year, on 30 June and 31 December every year, and is calculated as the sum of 6M BELIBOR valid on 31 May and 30 November and a fixed margin of 2.60% for loans insured by NMIC, and 3.80 % for loans not insured by NMIC annually. Interest is calculated using the proportional method.
For the period from the loan disbursement date until the date on which the loan repayment starts (last day of the month), the Bank calculates intercalary interest rate equal to the contracted regular interest rate. Intercalary interest is charged at the moment the loan repayment starts. Bank calculates default interest on all due and outstanding loan obligations at the interest rate prescribed by the Law on Default Interest, or the contracted (regular) interest rate if it is higher. Default interest is calculated using the proportional method.
Costs borne by the client are known at the time of publishing and are included in the calculation of the effective interest rate.
** Costs borne by the client, which are included in the calculation of the effective interest rate, and over which the Bank has no influence. Please note that these are approximate (average) amounts over which the Bank has no influence, and which depend on the fees and charges of notaries/courts, the Geodetic Authority, insurance premiums issued by insurance companies, etc.
The obtained loan security instruments can, at the Bank's discretion, be replaced with other security instruments acceptable to the Bank.
By cashless transfer of funds to the account of:
*Costs borne by the client known at the time of publishing are determined based on the recommendation of the Association of Serbian Banks.
On the publishing date, 01 November 2020, the official NBS middle exchange rate for EUR was RSD 117.5679
**Effective interest rate was calculated on 30 September 2021
*Costs borne by the client known at the time of publishing are determined based on the recommendation of the Association of Serbian Banks.
On the publishing date, 01 November 2020, the official NBS middle exchange rate for EUR was RSD 117.5679
**Effective interest rate was calculated on 30 September 2021