Purpose of the loan: Purchase the apartment Participation of Bank financing: No more than 70% of the value of the apartment to be purchased.Maximum amount: 100.000 EuroCurrency: EURO

Loan repayment term: up to 15 years.

Loan repayment term: up to 15 years.

Interest Rate on Mortgage Loan:

· 6.5% for the first 2 years

· Euro LIBOR * annual + 6% for other years

· MIR 6.75%

· Max IR 8.25% for the first 8 years.

* (Revised every year according to Euro Libor).

 

Guarantee required: Apartment mortgage

Loan repayment term: up to 15 years.

Method of payment: Fixed monthly installments (capital + interest).Monthly income: No more than 35% must pay for the payment of the loan.

If the loan is approved: 1% of the amount of the loan, Min 300 EUR for reimbursement

of total administrative costs

(payable at the opening of the file)

Reconstruction loan: 1% commission on unused funds.

Additional costs:

1. Notarize the contracts that will be signed between the Bank and the client.

2. The life insurance of renewable loan applicants annually on the outstanding amount of the loan.

3. Property insurance, complete for the entire loan term (fire, earthquake, etc.).

4. Payment of object evaluation by a licensed expert.

5. Account maintenance (Lek 150 per month).

6. Mortgage expenses (from LEK 3,000 – ALL 10,000, depending on the amount of the loan).

Partial or total prepayment possibility: Two week prior notice to the Bank

No commission, if the loan is prepayable in the first 2 years

No commission, if the loan is prepayable in the first 2 years

Penalty 50 Euro, plus 3% of the prepaid amount, if the loan is prepayed after the first 2 years Purpose of the loan: Purchase the apartment Participation of Bank financing: No more than 70% of the value of the apartment to be purchased.Maximum amount: 100.000 EuroCurrency: EURO. Partial or total prepayment possibility: Two week prior notice to the Bank

Note: This offer is valid until the client is paid a salary

in an account.

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