http___www.kombank.com_stambeni-krediti-i-krediti-za-refinansiranje-stambenih-kredita-osiguranih-kod-nacionalne-korporacije-sa-deviznom-klauzulom_1.xml
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The housing loans from this program are extended for the following purposes: - home purchase, construction, renovation, reconstruction, refurbishment and upward extension Housing Loans Insured with NKOSK with Currency Clause * - if the loan beneficiary has no life insurance assigned in favor of the Bank, the mentioned premiums are increased by 0,25% - If the mortgage is crated over the ’’building/unit under construction’’ the mentioned premiums are increased by 0,5% - if the mortgage is created over the building/unit legalized in line with the Law on Planning and Construction the mentioned premiums are increased by 0,15% - if the credit indebtedness of loan beneficiary, and/or of the solidary debtors equals or exceeds 60% the mentioned premiums are increased by 0,5% - if the credit indebtedness of loan beneficiary, and/or of the solidary debtors equals or exceeds 70% the mentioned premiums are increased by 1% and - if the credit indebtedness of loan beneficiary, and/or of the solidary debtors equals or exceeds 80%, and in case that 80% and more of contractual obligations are agreed in RSD, the mentioned premiums are increased by 1,5% In all cases where the collateral is a mortgage on real estate, during the loan approval process there are expenses related to value assessment, insurance, obtaining certificates, licenses, statements and decisions of the competent authorities, along with expenses pertaining to creation of mortgage, etc. The mentioned expenses are summarized in the representative example. EXAMPLE: Calculation performed on 30.09.2014 6M EURIBOR value as of 26.09.2014 is 0,183%
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Stambeni krediti iz ovog programa odobravaju se za sledeće namene: - kupovinu, izgradnju, adaptaciju, rekonstrukciju, sanaciju i dogradnju-nadziđivanje stambenog objekta Stambeni krediti osigurani kod NKOSK sa deviznom klauzulom, uslovi i primeri: * -ukoliko korisnik kredita nema životno osiguranje vinkulirano na Banku navedene premije uvećavaju se za 0,25% -ukoliko je predmet hipoteke „objekat u izgradnji" navedene premije uvećavaju se za 0,5% -ukoliko je predmet hipoteke objekat legalizovan po osnovu Zakona o planiranju i izgradnji navedene premije uvećavaju se za 0,15% -ukoliko je stepen kreditne zaduženosti korisnika kredita, odnosno solidarnih dužnika jednak ili veći od 60% navedene premije uvećavaju se za 0,5% -ukoliko je stepen kreditne zaduženosti korisnika kredita, odnosno solidarnih dužnika jednak ili veći od 70% navedene premije uvećavaju se za 1% i -ukoliko je stepen kreditne zaduženosti korisnika kredita, odnosno solidarnih dužnika jednak ili veći od 80%, a u slučaju kada je 80% i više obaveza ugovoreno u dinarima navedene premije uvećavaju se za 1,5% U svim slučajevima gde je obezbeđenje kredita hipoteka na nepokretnosti, prilikom odobravanja kredita javljaju se troškovi procene vrednosti, osiguranja, pribavljanja uverenja, potvrda, dozvola, izjava i rešenja nadležnih organa, troškovi konstituisanja hipoteke i dr. Navedeni troškovi obuhvaćeni su reprezentativnim primerom. PRIMER: Obračun izvršen na dan 30.09.2014. godine Vrednost 6M EURIBOR-a na dan 26.09.2014. godine iznosi 0,183%