Housing loan: Loan for the purchase of an existing residential unit with an energy certificate
Pogodnosti i parametri
Fixed interest rate
No loan processing fee
Loan amount: up to 146.687 KM
Repayment period: up to 15 years
Interest rate:
starting from 3,29% (EKS 3,93%)*
* The Effective interest rate (EKS) for the Housing Loan for the purchase of an existing residential unit with an energy certificate is calculated based on a fixed interest rate for a loan amount of 80.000 KM and a repayment period of 60 months. The EKS calculation includes the loan interest rate, credit account management fee, cost of purchasing promissory notes, cost of notarizing administrative salary garnishment, property insurance cost, and other costs associated with establishing a mortgage.
Other fees for the user:
- Fee for managing the credit account, 2.00 KM monthly;
- Credit insurance fee, in accordance with the applicable tariff of the insurance company, and depending on the appraised value of the property
Monthly installment
- For the example loan amount and repayment period shown in the EKS, the monthly installment amount is 1.447.83 KM.
Collateral instruments:
Mortgage on real estate
Mandatory multi-year general risk insurance policy
on the real estate being mortgaged and assigned to the benefit of the Bank for the entire loan repayment period
Promissory note and administrative wage garnishment/standing order
Purpose of the loan:
purchase of an existing residential unit with an energy certificate/passport confirming that the energy efficiency of the property is 30% better than the legally defined minimum. The efficiency level of the residential unit is determined by verifying the data from the energy certificate/passport.
Currency clause:
Loans are approved without a currency clause
The offer is valid until February 28, 2025.
Contact us or schedule a meeting
Fill out the form to schedule a meeting or request to be contacted by a Bank employee. We will call you within 48 hours and answer all your questions.