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Secure the best starting position for your business!
You have decided to start your own business, in your own business space, and you need financial support? Komercijalna banka has designed the best and safest start for you. If you wish to buy business space, we offer you very favourable loans with minimal interest rates. This will allow you to fully focus on your business.
Because sound business plans depend on sound financial support!
Komercijalna banka grants loans to Bank’s clients who are permanently employed.
For a quick take-off of your business...
LOAN TYPE DINAR LOANS FOR THE PURCHASE OF COMMERCIAL PROPERTY THE BANK’S CLIENTS LOAN AMOUNT Up to the amount allowed by the applicant’s creditworthiness REPAYMENT PERIOD Up to 83 months LOAN CURRENCY Dinar loan NOMINAL INTEREST RATE PER ANNUM, VARIABLE 6M BELIBOR + 5,50% 6M BELIBOR applies, which is defined on the market two working days before, on 31.05. and 30.11. ADJUSTING INTEREST RATE LINKED TO BELIBOR Interest rate is adjusted twice a year, on 31.05. and 30.11. THE BANK’S FEE 2% of the loan amount LOAN COLLATERAL - Two blank promissory notes of the borrower, - First ranking mortgage of commercial property that is being financed by the loan or mortgage of another property in favour of the Bank at the minimum ratio of 0.7:1 and - Insurance of property assigned in favour of the Bank LOAN DISBURSEMENT By crediting the seller’s account In all cases where the security for the loan is a pledged property, costs arise when a loan is granted, such as valuation expenses, expenses for insurance, certificates, confirmations, licences, statements and decisions of competent bodies, cost of registering mortgage, etc. These expenses are included in the example. TYPE OF LOAN LOANS FOR PURCHASE OF COMMERCIAL PROPERTY WITH NO CURRENCY CLAUSE SALES VALUE OF PROPERTY RSD 1,000,000.00 LOAN AMOUNT RSD 1,000,000.00 REPAYMENT PERIOD 83 months LOAN CURRENCY Dinar loan NOMINAL INTEREST RATE PER ANNUM , VARIABLE 6M BELIBOR + 5.50% THE BANK’S FEE (2% OF LOAN AMOUNT) RSD 20,000.00 MONTHLY INSTALLMENT RSD 15.419,42 LOAN COLLATERAL - Two promissory notes from the borrower - First ranking mortgage - Property insurance at insurance companies MORTGAGE REGISTRATION TAX RSD 22.210,00 PREPARATION AND VERIFICATION OF LIEN STATEMENT AT THE NOTARY PUBLIC’S RSD 10,080.00 ANNUAL PROPERTY INSURANCE EUR 40,00 (RSD 4.703,71) COST OF ISSUING PROPERTY FOLIO EUR 10,00 (RSD 1.175,93) COST OF PROPERTY VALUATION EUR 100,00 (RSD 11.759,28) COST OF VALUATION OF MORTGAGED PROPERTY Max EUR 80,00 (Max RSD 9.407,42) COST OF OBTAINING A REPORT FROM THE CREDIT BUREAU RSD 246.00 COST OF ISSUING PROMISSORY NOTES RSD 100.00 TOTAL LOAN AMOUNT INCL. INTEREST RSD 1.279.811,86 EFFECTIVE INTEREST RATE 11,38% Calculation made on 31.12.2019. *This example was calculated for the Bank’s clients.
EXAMPLE:
(EVERY 3 YEARS)
6M BELIBOR on 28.11.2019 was 1,88%
|
TYPE OF LOAN |
LOANS WITH CURRENCY CLAUSE FOR PURCHASING COMMERCIAL PROPERTY |
|
THE BANK’S CLIENTS |
|
|
LOAN AMOUNT |
Up to the applicant’s creditworthiness |
|
LOAN CURRENCY |
Dinar loan indexed in EUR |
|
INDEXING CRITERIA |
EUR – NBS middle exchange rate |
|
REPAYMENT PERIOD |
Up to 83 months |
|
GRACE PERIOD |
Up to 12 months with monthly payment of interim interest |
|
NOMINAL INTEREST RATE PER ANNUM |
5% fixed for the first 60 months 6M EURIBOR + 5%, variable, after 60 months Margin of 5% is fixed. 6M EURIBOR formed in the market two working days before 31.05. and 30.11. |
|
ADJUSTMENT OF INTEREST RATE LINKED TO EURIBOR |
Interest rate is adjusted twice a year, 31.05. and 30.11. |
|
THE BANK’S FEE |
2% of the loan amount |
|
LOAN COLLATERAL |
- Two blank promissory notes of the borrower, - first ranking mortgage on commercial property that is being financed by the loan assigned in favour of the Bank, at the minimum ratio of 0.7:1 or another property registered in the cadastre at the minimum ratio of 1:1.3 and - property insurance assigned in favour of the Bank |
|
LOAN REPAYMENT |
Monthly in dinar equivalent of the euro, at the NBS middle exchange rate on the date of paying a monthly instalment |
|
DOWNPAYMENT |
Min 30% of the property’s sales value |
In all cases where the security for the loan is a pledged property, costs arise when a loan is granted, such as valuation expenses, expenses for insurance, certificates, confirmations, licences, statements and decisions of competent bodies, cost of registering mortgage, etc. These expenses are included in the example.
EXAMPLE:
|
TYPE OF LOAN |
LOANS WITH CURRENCY CLAUSE FOR THE PURCHASE OF COMMERCIAL PROPERTY |
|
SALES VALUE OF PROPERTY |
EUR 30,000.00 |
|
DOWNPAYMENT (MIN 30%) |
EUR 9,000.00 |
|
LOAN AMOUNT |
EUR 21,000.00 |
|
REPAYMENT PERIOD |
83 months |
|
LOAN CURRENCY |
Dinar loan indexed in EUR |
|
INDEXING CRITERIA |
EUR – NBS middle exchange rate |
|
NOMINAL INTEREST YEAR PER ANNUM |
5% fixed, for the first 60 months 6M EURIBOR + 5%, variable after 60 months Margin of 5% is fixed
|
|
THE BANK’S FEE (2% OF THE LOAN AMOUNT) |
EUR 420.00 (49.388,98 RSD) |
|
MONTHLY INSTALLMENT |
EUR 299,79 – for the first 60 months EUR 298,79– after 60 months |
|
LOAN COLLATERAL |
- Two promissory notes from the borrower - First ranking mortgage - Property insurance at insurance firms |
|
MORTGAGE REGISTRATION TAX |
RSD 22.210,00 |
|
PREPARATION AND VERIFICATION OF LIEN STATEMENT AT THE NOTARIES PUBLIC |
RSD 10,080.00 |
|
ANNUAL PROPERTY INSURANCE |
EUR 40,00 (RSD 4.703,71) |
|
COST OF ISSUING THE PROPERTY FOLIO |
EUR 10,00 (RSD 1.175,93) |
|
COST OF PROPERTY VALUATION |
EUR 100,00 (RSD 11.759,28) |
|
COST OF VALUING THE MORTGAGED PROPERTY |
Max EUR 80,00 (Max RSD 9.407,42) |
|
COST OF OBTAINING A REPORT FROM THE CREDIT BUREAU |
RSD 246.00 |
|
COST OF ISSUING PROMISSORY NOTES |
RSD 100.00 |
|
TOTLA AMOUNT OF LOAN INCL. INTEREST |
EUR 24.859,57 |
|
EFFECTIVE INTEREST RATE |
6,93% |
Calculation is as of 31.12.2019.
6M EURIBOR as of 28.11.2019 was -0,347%
*The example shows a calculation for the Bank’s clients.