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Mortgage cash loan

Mortgage cash loan in RSD for Payroll clients

Loan characteristics:
  • Type of loan: Cash mortgage loan in RSD
  • Loan currency: RSD
  • Participation: no participation
  • Loan amount: up to RSD 5,000,000
  • Repayment period: up to 71 months
  • Nominal interest rate: 8.32%, variable, annual (3mBelibor+6.00%)*
  • Effective interest rate: from 9.32%
  • Loan processing fee: 0%
  • Credit maintenance fee: 0%
Life insurance is optional, except for clients with high risk occupations. Mortgage cash loans are not insured at NKOSK. Loan without deposit.
LTV-ration is max 80% of property value

Example:

Loan amount
(RSD)

Tenor

Disbursement fee

Installment

Total paid amount (RSD)

NIR*

EIR*

Mortagage cash loan

3.000.000

71

0%

58,827

3.895.512

8.32%

9.32%

*The interest rate is variable. The amount of the nominal interest rate is determined on a quarterly basis, in January, April, July and October, by adjusting the variable element with the values of the officially published reference interest rate on the last day of the month preceding the month when the adjustment is made. The modified variable interest rate will be applied to the first calculation period that occurs after the change. On June 30, 2022. the value of 3m Belibor is 2.32% and applies until September 30, 2022.



**The EIR calculation also includes costs defined by competent institutions, the amount of which the bank has no influence on, and which are known at the time of advertising:
Cost overview (RSD) Cash mortgage loan
Promissory note x 2 100 RSD (50 RSD per promissory note)
Basic credit bureau report 246 RSD
Certification of pledge statement 10,080 RSD
Real estate insurance 40 EUR (in RSD equivalent)
Issuance of real estate certificate 540 RSD
Real estate valuation 100 EUR (in RSD equivavelent)
Registration of mortgage 22,640 RSD

Mortgage cash loan indexed in EUR for Payroll clients

Loan characteristics:
  • Type of loan: Cash mortgage loan indexed in EUR
  • Currency of the loan: dinar loan indexed in EUR, the loan is realized in dinar equivalent at the mid-rate of the NBS on the day the loan is released to the exchange rate
  • Deposit: 30%
  • Loan amount: up to EUR 100,000
  • Repayment period: up to 71 months
  • Nominal interest rate: 5.53%, variable, annual (6mEuribor+5.30%)
  • Effective interest rate: from 6.09%
  • Loan processing fee: 0%
  • Credit maintenance fee: 0%

A representative example of a loan with a variable interest rate:

Loan currency* Dinar loan indexed in EUR
Loan amount (EUR) 30.000 EUR
Repayment period (in months) 71
Deposit 30% 9.000 EUR
Loan processing fee 0%
Monthly installment rate (EUR) 498 EUR
Total for repayment (EUR) 135.959 EUR
NIS** variable, annual 25,53%
EIR*** on 30.06.2022. 6,52%

*Criteria for indexing: In dinar equivalent at the middle exchange rate of the NBS.**The interest rate is variable. During the duration of the Agreement, the Bank determines the amount of the nominal interest rate on each first day of the half-year (July 1 and January 1) for the current half-year by harmonizing the contracted variable element with the values​​of the officially published reference interest rate on that day. The modified variable interest rate will be applied to the first calculation period that occurs after the change. On June 30, 2022. value of 6mEuribor = 0.23%.*** The EKS calculation also includes costs defined by competent institutions, the amount of which the bank has no influence on, and which are known at the time of advertising:

Cost overview (RSD) Cash mortgage loan

Cost overview (RSD) Cash mortgage loan
Promissory note x 2 100 RSD (50 RSD per promissory note)
Basic credit bureau report 246 RSD
Certification of pledge statement 10,080 RSD
Real estate insurance 40 EUR (in RSD equivalent)
Issuance of real estate certificate 540 RSD
Real estate valuation 100 EUR (in RSD equivavelent)
Registration of mortgage 22,640 RSD
Life insurance is optional except for clients with risky occupations. The LTV ratio can amount to a maximum of 80% of the estimated value of the mortgaged property. See the list of branches where you can apply for a Eurobank Direktna housing loan here
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