Header Stambeni krediti

 

Housing loans in dinars, without currency clause for the purchase, construction, adaptation, reconstruction and refinancing of housing loans approved by other banks.

The loan is granted to the customers who are permanently employed.

Long term housing loan in RSD insured by NIMC
Loan amount From EUR 5.000 to 50.000 in RSD counter value
Loan currency RSD loan without currency clause
Maturity From 60 to 120 months
Interest rate

The nominal interest rate is variable and is 3,5%* + 6M Belibor, which on 23.07.2018., amounts to 6,56% per annum, for loans in RSD and if the client receives salary through the current account in Bank.
The variable part of the interest rate is adjusted every six months according to the movement of 6M Belibor. The effective interest rate calculated on 23.07.2018. is 7,44% per annum.

* for clients with open account for earnings in Expobanc JSC Belgrade

Commission No fee for processing a loan.
Loan repayment In monthly annuities
Loan security
  • Four accepted blank bill of exchange
  • First rank mortgage on the real estate that is the subject of financing or some other immovable property in favor of Expobanka JSC Belgrade
  • Real estate secured in favor of the bank with insurance companies acceptable to the bank
Participation Minimum 50%
Other costs Expected amounts of stated costs
Bill of exchange (depending on number of them) RSD 50
Current account - monthly RSD 120
Basic report from the Credit Bureau RSD 246
Verification of a pledge statement RSD 25.200
Real estate insurance - per year EUR 40
Issue of real estate list EUR 10
Estimation of value of real estate EUR 100
Request for the approval of NIMC insurance EUR 30
Insurance premium with NIMC (from 1,5% to 3,5% depending on the ratio between the market value of the real estate and the amount of the loan) EUR 555 **
Registration of a mortgage (from RSD 20.000 to 50.000) RSD 20.000
Note: All amounts stated in euros are calculated at the middle exchange rate of the NBS on the day of payment

** - in the case of a loan amount of EUR 37.000 in RSD counter value at the middle exchange rate of the NBS and insurance premium of 1,5%

An example of the monthly annuity rate:

Loan amount RSD 2.000.000 RSD 5.000.000
Maturity 120 months 120 months
Monthly annuity RSD 22.581 RSD 56.453
Total amount for repayment (principal and interest) RSD 2.709.760 RSD 6.774.398

Detailed offer for the loan can be obtained in the branches of Expobank JSC Belgrade.

Housing loans in euros, for the purchase, construction, adaptation, reconstruction and refinancing of housing loans approved by other banks.

The loan is granted to the customers who are permanently employed.

Long term housing loan in RSD indexed with EUR insured by NIMC
Loan amount Up to EUR 200.000 in RSD counter value
Loan currency Loan in RSD indexed with EUR (with the application of the middle exchange rate of the NBS for disbursement and repayment of the loan
Maturity From 60 to 360 months
Interest rate

The nominal interest rate is variable and is 4,5%* + 6M Euribor, which on 23.07.2018., amounts to 4,23% per annum, for loans in RSD indexed with EUR and if the client receives salary through the current account in Bank.
The variable part of the interest rate is adjusted every six months according to the movement of 6M Euribor. The effective interest rate calculated on 23.07.2018. is 4,46% per annum.

* for clients with open account for earnings in Expobanc JSC Belgrade

Commission No fee for processing a loan.
Disbursement of loan At the middle exchange rate of the NBS on the day of realization of the loan
Loan repayment In monthly annuities by the middle exchange rate of NBS on the day of maturity
Loan security
  • Four accepted blank bill of exchange
  • First rank mortgage on the real estate that is the subject of financing or some other immovable property in favor of Expobanka JSC Belgrade
  • Real estate secured in favor of the bank with insurance companies acceptable to the bank
Participation Minimum 20%
Other costs Expected amounts of stated costs
Bill of exchange (depending on number of them) RSD 100
Current account - monthly RSD 120
Basic report from the Credit Bureau RSD 246
Verification of a pledge statement RSD 25.200
Real estate insurance - per year EUR 40
Issue of real estate list EUR 10
Estimation of value of real estate EUR 100
Request for the approval of NIMC insurance EUR 30
Insurance premium with NIMC (from 1,5% to 3,5% depending on the ratio between the market value of the real estate and the amount of the loan) EUR 555 **
Registration of a mortgage (from RSD 20.000 to 50.000) RSD 20.000
Note: All amounts stated in euros are calculated at the middle exchange rate of the NBS on the day of payment.

** - in the case of a loan amount of EUR 37.000 and a premium of 1,5%

An example of the monthly annuity rate:

Loan amount EUR 30.000 EUR 50.000
Maturity 360 months 360 months
Monthly annuity EUR 145,86 EUR 243,08
Total amount for repayment EUR 52.509,60 EUR 87.508,80

Detailed offer for the loan can be obtained in the branches of Expobank JSC Belgrade.

Loan calculator
Interest rate (%):
Loan amount:
No of rate:
Amount of annuity:
Referentne kamatne stope
3M BELIBOR 3.06%
6M BELIBOR3.21%
3M EURIBOR-0.308%
6M EURIBOR-0.236%
6M LIBOR - CHF-0.6284%
važe na dan 21.01.2019.