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CASH LOANS AND REFINANCING LOANS SECURED BY MORTGAGE
| Amount |
Depends on the borrowers creditworthiness |
|
| Currency of loan |
978 - EUR |
|
| Maturity |
Up to 120 months |
|
| Deposit |
Min. 30,00% p.a. |
|
| Nominal interest rate (fixed, annual) |
12,00% p.a. |
|
| Fee |
2,00% in a lump sum |
|
| Security |
Two (2) promissory notes First mortgage assigned in favour of the Bank Insurance of the property of construction value aganist basic risks and additional risks of water flow with the policy asigned in favour of the Bank. |
|
Representative example - on date 05.12.2011.
| Loan amount | 15.000,00 EUR |
| Depisit 30,00% | 4.500,00 EUR |
| Annuity | 209,92 EUR |
| Maturity | 120 months |
| Nominal interest rate | 12,00% |
| Colateral | Promissory note and mortgage |
| Banks fee | 31.034,13 RSD (2,00%, 300,00 EUR) |
| Other fees regarded to collateral |
205,00 RSD - Credit birou 100,00 RSD - 2 promissory note
10.344,17 RSD - Assesment (100 EUR) 1.034,42 RSD - (10 EUR) 550,00 RSD - Legal fees 11.103,25 RSD - Registration of mortgage (0,2%+8.000din) 4.137,67 RSD - Insurance of morgage (40 EUR)
|
| Total repayment amount | 25.284,04 EUR |
| Efecitve interest rate | 13,07% p.a. |
* all fees are calculated upon FX course EUR/RSD on 05.12.2011.
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(032) 302-105, 302-169, 302-293, 320-652 |
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