Housing loan with combined interest rate
up to
300.000 EUR
For purchase, construction, adaptation and refinancing
Housing loan with combined interest rate in RSD indexed in EUR without NKOSK insurance
Refinance the loan from another bank quickly and easily – without going to their branch office. We communicate with the bank whose loan you want to refinance, until the loan is closed.
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| HOUSING LOANS UNINSURED BY NKOSK WITH A FOREIGN EXCHANGE CLAUSE – COMBINED INTEREST RATE | |
|---|---|
| TYPE OF CLIENT | BANK CLIENTS RECEIVING THE SALARY/PENSION THROUGH THE BANK, AND BANK CLIENTS IN THE PROCESS OF TRANSFERRING THE SALARY / PENSION PAYMENT TO THE BANK |
| LOAN AMOUNT | from EUR 40,000 to EUR 300,000 from EUR 40,000 to EUR 100,000 for the purchase of the first residential property (for 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 | Model I: Model II: The margin from 2.25% to 2.50% is fixed. |
| INTEREST RATE ADJUSTMENT | The first adjustment of the interest rate is made upon the expiration of the fixed period, including the period for the calculation of interim interest, if it has been calculated. Thereafter, adjustments occur every six months, applying the value of the 6M EURIBOR as of 01/03 or 01/09 for the current six-month period. |
| BANK FEE FOR PROCESSING A LOAN | Fee free |
| LOAN COLLATERAL | - Two blank promissory notes of the credit user - First-rank mortgage or second-rank mortgage when the first-rank mortgage is established as a 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 the early repayment and the final maturity of the loan is longer than one year, i.e. 0.5% if the stated period is shorter, provided 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.
| HOUSING LOANS UNINSURED BY NKOSK WITH A FOREIGN CURRENCY CLAUSE – COMBINED INTEREST RATE (fixed interest rate for the first 72 months) | ||
|---|---|---|
| Business name | NLB Komercijalna banka | NLB Komercijalna banka |
| Type of client | BANK CLIENTS RECEIVING THE SALARY / PENSION THROUGH THE BANK | BANK CLIENTS IN THE PROCESS OF TRANSFERRING THE SALARY / PENSION PAYMENT TO THE BANK |
| Purchase price of the real estate in EUR | 100.000,00 | |
| Downpayment (min 20%) in EUR | 20.000,00 | |
| Loan amount in EUR | 80.000,00 | |
| Repayment period in months | 360 | |
| Total number of annuities | 360 | |
| Contracted loan currency | RSD | |
| Indexation criteria | EUR | |
| Nominal interest rate at an annual level | The first 72 months: 4,40% fixed After 72 months: 6M EURIBOR + 2,25% variable | |
| Bank fee for loan processing | Fee free | |
| Monthly fee for current account maintenance in RSD | Fee free | 150,00 |
| Mortgage registration fee in RSD | 71.140,00 | |
| Drafting and notarization of the pledge statement in RSD | 25.920,00 | |
| Real estate annual insurance in RSD | 5.000,00 | |
| Costs of real estate folio issuance in RSD | 1.296,00 | |
| Cost of issuing certificate for first-time buyers in RSD | 660,00 | |
| Costs of real estate appraisal in RSD | 12.000,00 | |
| Costs of mortgaged real estate appraisal (every 3 years) in RSD | 10.000,00 | |
| Costs of obtaining a Credit Bureau report in RSD | 246,00 | |
| Costs of promissory note issuance in RSD | 100,00 | |
| Monthly installment in EUR | The first 72 months: 400,61 After 72 months: 398,07 | |
| Total amount to be paid per loan in EUR | 146.484,20 | 146.945,00 |
| Total price that the Beneficiary should pay for the loan in EUR | 66.484,20 | 66.945,00 |
| Effective interest rate | 4,68% | 4,71% |
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 6M Euribor as of 01.09.2025 is 2,086%.
The calculation done on 01.10.2025.
** The cost of issuing a real property folio is shown for the issuance of a single document. This cost may increase depending on the number of pages and the number of property deeds required during the loan approval process.
The conditions for the approval of this type of housing loan are for informational purposes. For the possibility of submitting an application and for more detailed information regarding this loan product, we invite you to contact the nearest Bank branch. Specific loan conditions depend on the Bank's internal client segmentation.
| HOUSING LOANS UNINSURED BY NKOSK WITH A FOREIGN CURRENCY CLAUSE – COMBINED INTEREST RATE (fixed interest rate for the first 36 months) | ||
|---|---|---|
| Business name | NLB Komercijalna banka | NLB Komercijalna banka |
| Type of client | BANK CLIENTS RECEIVING THE SALARY / PENSION THROUGH THE BANK | BANK CLIENTS IN THE PROCESS OF TRANSFERRING THE SALARY / PENSION PAYMENT TO THE BANK |
| Purchase price of the real estate in EUR | 100.000,00 | |
| Downpayment (min 20%) in EUR | 20.000,00 | |
| Loan amount in EUR | 80.000,00 | |
| Repayment period in months | 360 | |
| Total number of annuities | 360 | |
| Contracted loan currency | RSD | |
| Indexation criteria | EUR | |
| Nominal interest rate at an annual level | The first 36 months: 4,20% fixed After 36 months: 6M EURIBOR + 2,25% variable | |
| Bank fee for loan processing | Fee free | |
| Monthly fee for current account maintenance in RSD | Fee free | 150,00 |
| Mortgage registration fee in RSD | 71.140,00 | |
| Drafting and notarization of the pledge statement in RSD | 25.920,00 | |
| Real estate annual insurance in RSD | 5.000,00 | |
| Costs of real estate folio issuance in RSD | 1.296,00 | |
| Cost of issuing certificate for first-time buyers in RSD | 660,00 | |
| Costs of real estate appraisal in RSD | 12.000,00 | |
| Costs of mortgaged real estate appraisal (every 3 years) in RSD | 10.000,00 | |
| Costs of obtaining a Credit Bureau report in RSD | 246,00 | |
| Costs of promissory note issuance in RSD | 100,00 | |
| Monthly installment in EUR | The first 36 months: 391,91 After 36 months: 397,09 | |
| Total amount to be paid per loan in EUR | 145.742,19 | 146.202,99 |
| Total price that the Beneficiary should pay for the loan in EUR | 65.742,19 | 66.202,99 |
| Effective interest rate | 4,62% | 4,65% |
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 6M Euribor as of 01.09.2025 is 2,086%.
The calculation done on 01.10.2025.
** The cost of issuing a real property folio is shown for the issuance of a single document. This cost may increase depending on the number of pages and the number of property deeds required during the loan approval process.
The conditions for the approval of this type of housing loan are for informational purposes. For the possibility of submitting an application and for more detailed information regarding this loan product, we invite you to contact the nearest Bank branch. Specific loan conditions depend on the Bank's internal client segmentation.
