Home loan indexed in EUR for clients with receipt of earnings in Eurobank Direktna

Loan characteristics:

• Type of loan: Housing loan for the purchase of real estate
• 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
• Participation:

  • minimum 20% of the real estate purchase price
  • a minimum of 10% of the purchase price of the property for first-time residential real estate buyers (for loans with insurance with the National Corporation)

Note: After submitting the documentation on employment and real estate, the Bank checks the fulfillment of credit criteria and makes a decision on the minimum amount of participation required for the realization of a housing loan.

• Loan amount: up to EUR 250,000
• Repayment period: up to 360 months
• Nominal interest rate (variable, annual):

  6.31% (2.97% + 6M Euribor) - for a loan secured through NKOSK

  6.44% (3.10% + 6M Euribor) - for a loan without NKOSK insurance

• Effective interest rate:

  from 6.83% - for a loan secured by NKOSK

  from 6.78% - for a loan without insurance through NKOSK

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

Loan characteristics	Mortgage loan insured through NKOSK	Mortgage loan without insurance through NKOSK
Loan currency**	Dinar loan indexed in EUR	Dinar loan indexed in EUR
Mortgage purchase price	37.500 EUR	37.500 EUR
Participation 20%	7.500 EUR	7.500 EUR
Loan amount	30.000 EUR	30.000 EUR
Repayment term	360 meseci	360 meseci
Request processing fee	0%	0%
Monthly installment amount	188 EUR	191 EUR
Total for repayment	69.887 EUR	70.262 EUR
NIR**, variable, annual	6,31% (2,97% + 6M Euribor)	6,44% (3,10% + 6M Euribor)
EIR*** on 31.03.2023.	7,14%	7,08%

Cost overview (RSD)	Mortgage loan insured through NKOSK	Mortgage loan without insurance through NKOSK
Promissory note x 2	100 RSD (50 RSD per promissory note)	100 RSD (50 RSD per promissory note)
Basic credit bureau report	246 RSD	246 RSD
Certification of pledge statement	10.080 RSD	10.080 RSD
Real estate insurance - annual	40 EUR (in RSD countervalue)	40 EUR (in RSD countervalue)
Issuance of real estate certificate	540 RSD	540 RSD
Real estate evaluation	14.000 RSD	14.000 RSD
Mortgage registration	22.640 RSD	22.640 RSD
One-time cost of submitting a request to NKOSK	/	30 EUR (in RSD countervalue)
NKOSK premium, for the cost of insurance with NKOSK of 1.50%-3.50% according to the current NKOSK tariff book	/	525 EUR (in RSD countervalue)

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.Fee for early repayment: 0% - 1% in accordance with the Law on the Protection of Users of Financial Services. The fee for early repayment is calculated at 1% of the amount of the early repaid principal if the period between the early repayment of the loan and the final maturity date is longer than one year, or 0.5% if the said period is shorter. The bank will charge a fee for early repayment only if the amount of early repayment in a period of twelve months is greater than 1,000,000 dinars. Means of security - Mortgage of the first order in accordance with the Law on mortgages on real estate to be purchased or other suitable real estate.

Home loan indexed in EUR for clients with receipt of earnings in Eurobank Direktna

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

Loan characteristics	Mortgage loan insured through NKOSK	Mortgage loan without insurance through NKOSK
Loan currency**	Dinar loan	Dinar loan
Mortgage purchase price	33.750.000 RSD	33.750.000 RSD
RParticipation 20%	750.000 RSD	750.000 RSD
Loan amount	3.000.000 RSD	3.000.000 RSD
Repayment term	120 meseci	120 meseci
Request processing fee	0%	0%
Monthly installment amount	41.902 RSD	39.340 RSD
Total for repayment	5.122.973 RSD	4.871.536 RSD
NIR, variable, annual	11,17% (5,70% + 3M Belibor)	9,67% (4,20% + 3M Belibor)
EIR*** on 31.03.2023.	12,65%	11,47%

*The example refers to clients with payrolls at Eurobank Direktna.

**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 harmonizing 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. For the calculation of EKS, the value of 3mBelibor was used, which as of March 31, 2023. is 5.47% and applies until June 30, 2023. years.

***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)	Mortgage loan insured through NKOSK	Mortgage loan without insurance through NKOSK
Promissory note x 2	100 RSD (50 RSD per promissory note)	100 RSD (50 RSD per promissory note)
Basic credit bureau report	246 RSD	246 RSD
Certification of pledge statement	10.080 RSD	10.080 RSD
Real estate insurance - annual	40 EUR (in RSD countervalue)	40 EUR (in RSD countervalue)
Issuance of real estate certificate	540 RSD	540 RSD
Real estate evaluation	14.000 RSD	14.000 RSD
Mortgage registration	22.640 RSD	22.640 RSD
One-time cost of submitting a request to NKOSK	/	30 EUR (in RSD countervalue)
NKOSK premium, for the cost of insurance with NKOSK of 1.50%-3.50% according to the current NKOSK tariff book	/	525 EUR (in RSD countervalue)

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. Fee for early repayment: 0% - 1% in accordance with the Law on the Protection of Users of Financial Services. The fee for early repayment is calculated at 1% of the amount of the early repaid principal if the period between the early repayment of the loan and the final maturity date is longer than one year, or 0.5% if the said period is shorter. The bank will charge a fee for early repayment only if the amount of early repayment in a period of twelve months is greater than 1,000,000 dinars. Means of security - Mortgage of the first order in accordance with the Law on mortgages on real estate to be purchased or other suitable real estate.