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Mortgage cash loan

Mortgage cash loan indexed in RSD for Payroll clients


Loan amount:
5.000.000 RSD

Currency: RSD

Interest rate: NIR 3mBelibor*+6.00%; EIR from 9.68% variable**

Tenor:
120 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

NIR*

EIR*

Mortagage cash loan

3.000.000

120

0%

38,085

8.92%

9.851%

*Interest rate is variable. For EIR calculation is used value of 3mBelibor which was on 30.09.2018. 2.92%.
** 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 6.53% variable**

Tenor: 240 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

NIR*

EIR*

Mortgage cash loan

30.000

240

30%

0%

200

5.03%

6.70%

*Interest rate is variable. On day 28.09.2018. value of 6mEuribor =-0.27%

**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.

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