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Mortgage cash loan
Mortgage cash loan in RSD for Payroll clients
Loan amount: 5.000.000 RSD
Currency: RSD
Tenor: 71 months
Disbursement 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 | Tenor | Disbursement fee | Installment | Total paid amount (RSD) | NIR* | EIR* | |
Mortagage cash loan | 3.000.000 | 71 | 0% | 52,121 | 3.775.223 | 7.17% | 8.43% |
** Level of the nominal interest rate is determined quarterly –in January, April, July and October in the way that variable element is to be aligned with the values of officially published reference rate on the last day of the month that precedes the month in which adjustment is made.Changed variable interest rate will be applied in the first accounting period that starts after the change.
Mortgage cash loan indexed in EUR for Payroll clients
Loan amount: 100.000 EUR
Currency: EUR
Deposit: 30%
Interest rate: NIR 6mEuribor*+5.30%; EIR from 5.73% variable**
Tenor: 71 months
Disbursement fee: 0%
Life insurance is optional, except for clients with high risk occupations. Mortgage cash loans are not insured at NKOSK. LTV-ration is max 80% of property value
Example:
| Loan amount | Tenor | Deposit | Disbursement fee | Installment | Total paid amount (EUR) | NIR* | EIR* | |
Mortgage cash loan | 30.000 | 71 | 30% | 0% | 487 | 35.199 | 4.78% | 6.22% |
*Interest rate is variable. On day 01.04.2021. value of 6mEuribor =-0.52%
**Nominal interest rate is determined on a quarterly basis in January, April, July and October, when the variable base is aligned with the values of official Reference rate on the maturity date of the monthly installments of the month when the alignment is done. Changed variable interest rate will be applied in the first accounting period that starts after the change.
EUR
CHF
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