Green housing loan
Special conditions for first apartment buyers
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A home loan that takes care of nature and your budget
Choose an apartment which saves energy, take advantage of special terms for a housing loan and buy energy class A or B property.
The building’s energy passport shows general data about the building, about the required energy for heating, savings in CO2 emissions, thermotechnical data and recommendations to improve the building’s energy properties.
The building’s energy class shows how much energy is used to heat 1 square metre of living space.
| GREEN HOUSING LOANS UNINSURED BY NKOSK WITH A FOREIGN EXCHANGE CLAUSE | |
|---|---|
| TYPE OF CLIENT | BANK CLIENTS RECEIVING THE SALARY/PENSION PAYMENT THROUGH THE BANK, AND BANK CLIENTS IN THE PROCESS OF TRANSFERRING THE SALARY / PENSION PAYMENT TO THE BANK |
| LOAN AMOUNT | from EUR 35,000 to EUR 300,000 from EUR 35,000 to EUR 100,000 for the purchase of the first residential property (for a downpayment of 10%) |
| CONTRACTED LOAN CURRENCY | Dinar loan indexed in EUR |
| INDEXATION CRITERIA | EUR mid-exchange rate of the NBS |
| REPAYMENT PERIOD | from 96 to 360 months from 96 to 240 months for the purchase of the first residential property (for a downpayment of 10%) |
| NOMINAL INTEREST RATE AT AN ANNUAL LEVEL | From 2.25% to 2.50% + 6M EURIBOR, variable Margin of 2.25% to 2.50% is fixed. The value of the 6M EURIBOR as of 01/03 or 01/09 is applied for the current six-month period. Until 31.12.2025., the Bank applies a nominal interest rate that cannot be higher than 5%. If the nominal interest rate is lower than 5% on the day of loan realization, as well as on the agreed adjustment day, the Bank will apply that lower interest rate. |
| INTEREST RATE ADJUSTMENT | The interest rate is adjusted semi-annually, on 31.03 (the value of 6M EURIBOR as of 31.03 is applied) and on 30.09 (the value of the 6M EURIBOR as of 01/09 is applied). |
| BANK FEE FOR PROCESSING A LOAN | Fee free |
| SPECIAL CONDITION | Financing purchase of an old and new building or construction of buildings within A and B power range |
| LOAN COLLATERAL | – Two blank promissory notes of the credit beneficiary – First-rank mortgage or second-rank mortgage when the first-rank mortgage has been established as security in favor of NLB Komercijalna Banka. – Real estate insurance endorsed in favor of NLB Komercijalna Banka with insurance companies. |
| LOAN REPAYMENT | It is carried out monthly in the dinar equivalent of EUR at the middle exchange rate of the National Bank of Serbia (NBS) on the date of the monthly installment payment |
| DOWNPAYMENT | Minimum 20% of the purchase price of the real estate or the estimated cost and bill of quantities Minimum 10% of the purchase price of the real estate for the purchase of the first residential property |
| EARLY REPAYMENT | In the amount of damage suffered, and at most up to 1% of the amount of the early repaid principal if the period between early repayment and final maturity is longer than one year, or 0.5% if the period is shorter, with the condition that the amount of early repayment in a period of 12 months is greater than RSD 1,200,000.00. The fee cannot be higher than the amount of interest that the user would pay during the period between early repayment and the deadline for fulfilling the obligation from the loan agreement. Damage means the difference between the interest rate agreed with the User and the market interest rate at which the Bank can place the amount obtained by early repayment at the time of this repayment, including administrative costs. The market interest rate means the average weighted interest rate for that type of loan, which is published by the National Bank of Serbia on its website. |
In all cases where the loan is secured by a mortgage on real estate, there are costs associated with property valuation, insurance, obtaining certificates, confirmations, permits, declarations, and decisions from the competent authorities, as well as costs for establishing the mortgage, and others. These costs are included in the representative example.
The conditions for granting this type of housing loan are for informational purposes. For the possibility of submitting a request and more detailed information regarding this loan product, we invite you to contact the nearest Bank branch.
| GREEN HOUSING LOANS UNINSURED BY NKOSK WITH CURRENCY CLAUSE – WITHOUT LIFE INSURANCE | ||
|---|---|---|
| Business name | NLB Komercijalna banka | NLB Komercijalna banka |
| Client type | BANK CLIENTS RECEIVING THE SALARY/PENSION THROUGH THE BANK | BANK CLIENTS IN THE PROCESS OF TRANSFERRING THE SALARY/PENSION THROUGH THE BANK |
| Purchase price of the property in EUR | 100.000,00 | |
| Down payment (min 20%) in EUR | 20.000,00 | |
| Loan amount in EUR | 80.000,00 | |
| Repayment term in months | 360 | |
| Total number of annuities | 360 | |
| Contracted loan currency | RSD | |
| Indexation criteria | EUR | |
| Nominal annual interest rate | 6M EURIBOR* + 2,25% variable Until 31.12.2025., the Bank applies a nominal interest rate that cannot be higher than 5%. If the nominal interest rate is lower than 5% on the day of loan realization, as well as on the agreed adjustment day, the Bank will apply that lower interest rate. | |
| Bank fee for application processing | No fee | |
| Monthly fee for account maintenance in RSD | No fee | 150,00 |
| Mortgage registration fee in RSD | 71.140,00 | |
| Drafting and notarization of a pledge statement by a notary public in RSD | 25.920,00 | |
| Annual property insurance in RSD | 5.000,00 | |
| Costs for issuing the property list in RSD | 1.296,00 | |
| Cost of issuing a certificate for first-time real estate buyers in RSD | 660,00 | |
| Property appraisal costs in RSD | 12.000,00 | |
| Appraisal costs of the mortgaged property in RSD (every 3 years) | 10.000,00 | |
| Credit bureau report retrieval costs in RSD | 246,00 | |
| Costs for issuing promissory notes in RSD | 100,00 | |
| Monthly installment in EUR | 397,59 | |
| Total amount to be paid by the Beneficiary per loan in EUR | 146.130,95 | 146.591,75 |
| Total price that the Beneficiary should pay for the loan in EUR | 66.130,95 | 66.591,75 |
| Effective interest rate | 4,66% | 4,68% |
Warning: a change in exchange rates may lead to a change in the total amount that the user pays under the loan agreement!
*The value of the 6M Euribor as of 01.09.2025 is 2,086%.
The calculation is done on 15.09.2025.
**The cost of issuing a real estate extract is shown for the issuance of a single document. The cost may increase depending on the number of pages and the number of real estate extracts required in the loan approval process.
The terms for approving this type of mortgage loan are for informational purposes only. For the possibility of submitting an application and more detailed information regarding this loan product, we invite you to contact the nearest branch of the Bank. The specific loan terms depend on the Bank’s internal client segmentation.
