Become a client
Housing loans from this program are extended for the following purposes:
- renovation, reconstruction, rehabilitation and upward extension of residential building
Komercijalna banka AD Beograd has three models for extending this type of loan:
1. Loan with currency clause secured by bills of exchange signed by one creditworthy guarantor
2. Loan with currency clause secured by I rank or II rank mortgage in favour of the Bank for registered and unregistered housing facilities
3. RSD loan secured by I rank or II rank mortgage in favour of the Bank for registered and unregistered housing facilities
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TYPE OF LOAN |
HOME IMPROVEMENT LOAN WITH CURRENCY CLAUSE SECURED BY GUARANTEE PLEDGE |
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BANK’S CLIENTS |
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LOAN AMOUNT |
Up to creditworthiness of the loan applicant and maximum up to EUR 15.000,00 |
|
CURRENCY OF THE LOAN AGREEMENT |
Dinar loan indexed in EUR |
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CRITERIA FOR INDEXATION |
EUR – middle exchange rate of NBS |
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REPAYMENT PERIOD |
Up to 123 months |
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NOMINAL INTEREST RATE PER ANNUM |
from 5,5% to 6,10% fixed, the first 36 months from 5,5% to 6,10% + 6M EURIBOR, variable – after 36 months Margin level from 5,5% to 6,10% is fixed After expiry of the fixed period the value of 6M EURIBOR is applied, which is defined in the market two working days prior to 31.05. and 30.11. |
|
ADJUSTMENT OF INTEREST RATE |
Adjustment of interest rate is performed twice a year, on 31.05. and on 30.11. |
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BANK’S FEE |
from 1% to 1,75% of the loan amount |
|
COLLATERAL |
Two blank promissory notes of the loan beneficiary and two blank promissory notes signed by one creditworthy guarantor |
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LOAN REPAYMENT |
On monthly basis in dinar equivalent of EUR at middle exchange rate of NBS applicable as of the date of payment of monthly annuity |
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DOWN PAYMENT |
Min 30% of the bill of quantities and cost estimates |
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EXAMPLE: |
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TYPE OF LOAN |
HOME IMPROVEMENT LOAN WITH CURRENCY CLAUSE SECURED BY GUARANTEE PLEDGE |
|
VALUE OF BILL OF QUANTITIES AND COST ESTIMATES |
EUR 15.000,00 |
|
DOWN PAYMENT (MIN 30%) |
EUR 4.500,00 |
|
LOAN AMOUNT |
EUR 10.500,00 |
|
REPAYMENT PERIOD |
123 months |
|
CURRENCY OF THE LOAN AGREEMENT |
Dinar loan indexed in EUR |
|
CRITERIA FOR INDEXATION |
EUR – middle exchange rate of NBS |
|
NOMINAL INTEREST RATE PER ANNUM |
6,10%, fixed, the first 36 months 6,10% + 6M EURIBOR, variable – after 36 months Margin level of 6,10% is fixed |
|
BANK’S FEE (1,75% OF THE LOAN AMOUNT) |
EUR 183,75 (RSD 21.635,11) |
|
MONTHLY ANNUITY |
EUR 115,02 – the first 36 months EUR 114,10 – after 36 months |
|
TOTAL LOAN AMOUNT WITH INTEREST |
EUR 14.067,42 |
|
EFFECTIVE INTEREST RATE |
6.57 % |
|
COLLATERAL |
Two blank promissory notes of the loan user Two blank promissory notes of creditworthy guarantor |
|
OTHER EXPENSES INCLUDED IN CALCULATION OF EFFECTIVE INTEREST RATE |
|
|
COSTS OF OBTAINING THE REPORT FROM CREDIT BUREAU – LOAN BENEFICIARY |
RSD 246,00 |
|
COSTS OF OBTAINING THE REPORT FROM CREDIT BUREAU – GUARANTOR |
RSD 246,00 |
|
COSTS OF PROMISSORY NOTES ISSUANCE FOR THE LOAN BENEFICIARY |
RSD 100,00 |
|
COSTS OF PROMISSORY NOTES ISSUANCE FOR THE GUARANTOR |
RSD 100,00 |
|
Calculation performed on 05.08.2019 Value of 6m euribor as of 29.05.2019 is -0.245% |
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HOME IMPROVEMENT LOAN WITH CURRENCY CLAUSE SECURED BY MORTGAGE, TERMS AND EXAMPLE:
|
|
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TYPE OF LOAN |
HOME IMPROVEMENT LOAN WITH CURRENCY CLAUSE SECURED BY MORTGAGE |
|
BANK’S CLIENTS |
|
|
LOAN AMOUNT |
Up to creditworthiness of the loan applicant |
|
CURRENCY OF THE LOAN AGREEMENT |
Dinar loan indexed in EUR |
|
CRITERIA FOR INDEXATION |
EUR – middle exchange rate of NBS |
|
REPAYMENT PERIOD |
Up to 123 months |
|
NOMINAL INTEREST RATE PER ANNUM, VARIABLE |
From 4,95% to 5,45%, fixed, the first 36 months from 4,95% to 5,45% + 6M EURIBOR, variable, after 36 months Margin level from 4,95% to 5,45% is fixed After expiry of the fixed period the value of 6M EURIBOR is applied, which is defined in the market two working days prior to 31.05. and 30.11 |
|
ADJUSTMENT OF INTEREST RATE |
Adjustment of interest rate is performed twice a year, on 31.05. and on 30.11. |
|
BANK’S FEE |
from 0,5% to 1,25% of the loan amount |
|
COLLATERAL |
- Two blank promissory notes of the loan user - I or II rank mortgage when the I rank mortgage is established as a collateral in favour of Komercijalna banka on real estate that is financed or on another real estate in favour of Komercijalna banka provided that the loan amount does not exceed 80% of real estate value reduced for the amount of other claims secured by higher-ranking lien on the same real estate - Insurance of real estate assigned in favour of Komercijalna banka with the insurance companies |
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|
|
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LOAN REPAYMENT |
On monthly basis in dinar equivalent of EUR at middle exchange rate of NBS applicable as of date of payment of monthly annuity |
|
DOWN PAYMENT |
Min 20% of the bill of quantities and cost estimates if the same real estate is financed and pledged or without down payment if the collateral is another real estate whose value exceeds the loan amount by minimum 30% |
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EXAMPLE: |
|
|
TYPE OF LOAN |
HOME IMPROVEMENT LOAN WITH CURRENCY CLAUSE SECURED BY MORTGAGE |
|
VALUE OF BILL OF QUANTITES AND COST ESTIMATES |
EUR 12.500,00 |
|
DOWN PAYMENT (MIN 20%) |
EUR 2.500,00 |
|
LOAN AMOUNT |
EUR 10.000,00 |
|
REPAYMENT PERIOD |
123 months |
|
CURRENCY OF THE LOAN AGREEMENT |
Dinar loan indexed in EUR |
|
CRITERIA FOR INDEXATION |
EUR – middle exchange rate of NBS |
|
NOMINAL INTEREST RATE PER ANNUM, VARIABLE |
5,45% , fixed, the first 36 months 5,45% + 6M EURIBOR, variable, after 36 months Margin level of 5,45% is fixed |
|
BANK’S FEE (1,25% OF THE LOAN AMOUNT) |
EUR 125,00 (RSD 14.717,76) |
|
MONTHLY ANNUITY |
EUR 106,29 – the first 36 months EUR 105,43– after 36 months |
|
TOTAL LOAN AMOUNT WITH INTEREST |
EUR 12.998,85 |
|
EFFECTIVE INTEREST RATE |
7.85 % |
|
OTHER EXPENSES INCLUDED IN CALCULATION OF EFFECTIVE INTEREST RATE |
|
|
MORTGAGE REGISTRATION FEE |
RSD 22.210,00 |
|
DRAFTING AND CERTIFYING THE LIEN STATEMENT BY THE PUBLIC NOTARY |
RSD 10.080,00 |
|
ANNUAL REAL ESTATE INSURANCE |
EUR 40,00 (RSD 4.709,68) |
|
COSTS OF ISSUANCE OF PROPERTY LIST |
EUR 10,00 (RSD 1.177,42) |
|
COSTS OF REAL ESTATE VALUATION |
EUR 100,00 (RSD 11.774,21) |
|
COSTS OF VALUATION OF REAL ESTATE WHICH IS MORTGAGED (EVERY 3 YEARS) |
Max EUR 80,00 (Max RSD 9.419,37) |
|
COSTS OF OBTAINING THE REPORT FROM CREDIT BUREAU |
RSD 246,00 |
|
COSTS OF PROMISSORY NOTES ISSUANCE |
RSD 100,00 |
Calculation performed on 05.08.2019
Value of 6M EURIBOR as of 29.05.2019 is -0.245%
|
TYPE OF LOAN |
DINAR LOAN FOR HOME IMPROVEMENT SECURED BY MORTGAGE |
|
BANK’S CLIENTS |
|
|
LOAN AMOUNT |
Up to creditworthiness of the loan applicant, and maximum up to RSD 1.200.000,00 |
|
CURRENCY OF THE LOAN AGREEMENT |
Dinar loan |
|
REPAYMENT PERIOD |
Up to 84 months |
|
NOMINAL INTEREST RATE PER ANNUM, VARIABLE |
6M BELIBOR + 5%, variable Margin level of 5% is fixed Value of 6M BELIBOR is applied, which is defined in the market two working days prior to 31.05. and 30.11 |
|
ADJUSTMENT OF INTEREST RATE |
Adjustment of interest rate is performed twice a year, on 31.05. and on 30.11. |
|
BANK’S FEE |
1,5% of the loan amount |
|
COLLATERAL |
- Two blank promissory notes of the loan beneficiary - I or II rank mortgage when the I rank mortgage is established as a collateral in favour of Komercijalna banka on real estate that is financed or on another real estate in favour of Komercijalna banka provided that the loan amount does not exceed 80% of the real estate value, reduced for the amount of other claims secured by higher-ranking lien on the same real estate - Insurance of real estate assigned in favour of Komercijalna banka with the insurance companies |
|
|
|
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LOAN REPAYMENT |
On monthly basis in dinars |
|
DOWN PAYMENT |
Without down payment |
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EXAMPLE: |
|
|
TYPE OF LOAN |
DINAR LOAN FOR HOME IMPROVEMENT SECURED BY MORTGAGE |
|
VALUE OF BILL OF QUANTITES AND COST ESTIMATES |
RSD 800.000,00 |
|
LOAN AMOUNT |
RSD 800.000,00 |
|
REPAYMENT PERIOD |
84 months |
|
CURRENCY OF THE LOAN AGREEMENT |
Dinar loan |
|
NOMINAL INTEREST RATE PER ANNUM, VARIABLE |
6M BELIBOR + 5% |
|
BANK’S FEE (1,5% OF THE LOAN AMOUNT) |
RSD 12.000,00 |
|
MONTHLY ANNUITY |
RSD 12.504,48 |
|
TOTAL LOAN AMOUNT WITH INTEREST |
RSD 1.050.376,32 |
|
EFFECTIVE INTEREST RATE |
12.72% |
|
OTHER EXPENSES INCLUDED IN CALCULATION OF EFFECTIVE INTEREST RATE |
|
|
MORTGAGE REGISTRATION FEE |
RSD 22.210,00 |
|
DRAFTING AND CERTIFYING THE LIEN STATEMENT BY THE PUBLIC NOTARY |
RSD 10.080,00 |
|
ANNUAL REAL ESTATE INSURANCE |
EUR 40,00 (RSD 4.709,68) |
|
COSTS OF ISSUANCE OF PROPERTY LIST |
EUR 10,00 (RSD 1.177,42) |
|
COSTS OF REAL ESTATE VALUATION |
EUR 100,00 (RSD 11.774,21) |
|
COSTS OF VALUATION OF REAL ESTATE WHICH IS MORTGAGED (EVERY 3 YEARS) |
Max EUR 80,00 (Max RSD 9.419,37) |
|
COSTS OF OBTAINING THE REPORT FROM CREDIT BUREAU |
RSD 246,00 |
|
COSTS OF PROMISSORY NOTES ISSUANCE |
RSD 100,00 |
Calculation performed on 05.08.2019
Value of 6M BELIBOR as of 29.05.2019 is 3,09%