Housing loans without FX clause
Purpose:
- for purchasing, building and finalizing construction, reconstruction and renovation of real estate residential-building;
- for refinancing of housing loan.
Age:
- minimum 23 years
- maximum 65 years at the moment of repayment of the final instalment.
Personal net monthly income of borrower: minimum € 200 in RSD counter value in the official NBS middle rate for EUR
Loan amount:
- for refurbishment: up to 5.000.000 RSD
- for other purposes: up to 20.000.000 RSD
Repayment period: up to 30 years
Participation:
- for the loans with the purpose of construction, completion, extension of residential real estate and adaption, minimum participation is 10%; - for the loans for purchasing secured with mortgage on real estate other than the one being purchased, minimum participation is 10%;
- for the loans with the purpose of purchase for which the collateral is a mortgage on real estate which is the subject of purchase, minimum participation is 20%;
- without participation for the loans for refinancing housing loans.
Loan repayment:
The loan is repaid in equal monthly instalments. Repayment of the loan can be performed by personal payment, standing order or via ban on salary. In case of personal payment at the counter the user of the loan gives also ban on salary.
Security:
-1st or 2nd class mortgage (if 1st class mortgage is in favour of Vojvođanska bank),
-Real estate insurance policy,
- Promissory note,
- Life insurance policy (optionally, on client's request).
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