Mortgage cash loan

Mortgage cash loan indexed in RSD

Loan amount: 5.000.000 RSD

Currency: RSD

Interest rate:
  • For payroll clients: NIR 3mBelibor*+6%;EIR from 11.08% variable**
  • For nonpayroll clients: NIR 3mBelibor*+7.5%;EIR from 12.93% variable**
Tenor:
  • 120 months
Disbursement fee:
  • For payroll clients 2%
  • For nonpayroll clients 2.5%
Annual administration fee: 0.25%

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

Annual administration fee

Installment

NIR*

EIR*

Payroll clients

3.000.000

120

1%

0.25%

38,936

9.46%

11.26%

Non payroll clients

3.000.000

120

2.5%

0.25%

41,474

10.96%

13.13%

*For EIR calculation is used value of 3mBelibor which was on 30.09.2016. 3.46%. EIR is calculated on 30.09.2016.
** 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

Loan amount: 100.000 EUR

Currency: EUR

Deposit: 30%

Interest rate:

  • For payroll clients: NIR 3mEuribor*+7.55%;EIR from 10.99% variable**
  • For nonpayroll clients: NIR 3mEuribor*+9.30%; EIR from 14.83% variable**
Tenor:
  • 300 months
Disbursement fee:
  • For payroll clients 2%
  • For nonpayroll clients 2.5%
Annual administration fee: 0.25%

Life insurance is optional, except for clients with high risk occupations.

Mortgage cash loans are not insured at NKOSKLoan without deposit.

LTV-ration is max 80% of property value

Example:

Loan amount

Tenor

Deposit

Disbursement fee

Annual admini-stration fee

Installment

NIR*

EIR*

Payroll clients

30.000

300

30%

2%

0.25%

219

7.25%

11.18%

Non payroll clients

30.000

300

30%

2.5%

0.25%

254

9.00%

14.22%

* On day 04.10.2016. value of 3mEuribor =-0.2%

**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.