Most convenient method of calculating interest.
Maturity from 6 to 60 months.
Even for flats under constructions without additional collateral.
Adriatic Bank housing loan is intended for the purchase of a new flat or a flat under construction, for reconstruction or adaptation of property (house or flat) with a maturity of 1 to 5 years. The amount of housing loans can be granted for a 10% higher amount compared to the amount of the purchase contract (if it does not affect the ratio of the estimated value of the mortgage assets and the amount of the requested loan). This difference can be paid directly to the client's account.
Another advantage of Adriatic Banka housing loan is approval without life insurance policies of any loan participants if the last annuity is due before the age of 65.
Client has a permanent working relationship, open and active account in Adriatic Bank .
Client must be a person older than 18 years, and the repayment of the last annuity should be completed before the age of 67.
Loan amount: Minimum 15,000.00€.
Loan processing fee from 0.5% to 2,00%.
For clients under the age of 65 at the time of maturity of the final installment no life insurance policy is needed.
For clients whose loan is due after the age of 65, the life insurance policy is mandatory in the amount of ½ of the approved loan.
First rank mortgage registered on the property in favor of the Bank,
Property insurance policy - assigned in favor of the Bank.
Duly filled and signed application form for overdraft loan;
Verified and signed confirmation on salary;
Two administrative wage/salary withholding orders stamped by the employer with whom the client works (if the employer verifies them);
Signed consent for application in the Credit department;
Proof of paid fee for application in the Credit department;
Title deed on which the lien is registered, not older than 7 days from the date of delivery of documents;
Property Sales Contract with clearly indicated seller’s invoice, verified at the Court/notary, if the loan is to be approved for property purchase;
Pro forma invoice for construction material or works if housing loan is approved for renovation;
A copy of passport or ID card with phone numbers and address (original document to be presented);
Bill of exchange, which can be bought at the bank counter, and the bill of exchange authorization;
Annual nominal interest rate (NIR)
Fixed: 5,95 % - 7,95 % (depending on debtor's category)
Variable: 4,95 % - 6,95 % + 6M EURIBOR (depending on debtor's category)
Annual effective interest rate (EIR)
Loan processing fee (it is charged once during loan disbursement)
0,50 % - 2,00 %
Commission for using data from Credit Register/Bureau of CBM
Fee for premature repayment of the loan
1,00 % of loan amount that is being repaid prematurely if the period between day of premature payment and day of loan maturity from loan contract is longer than 12 months and only for amount bigger than EUR 10.000,00
0,50 % of loan amount that is being repaid prematurely if the period between day of premature payment and day of loan maturity from loan contract is not longer than 12 months and only for amount bigger than EUR 10.000,00
Annual default interest
Nominal increased by 50 %
Up to 300 months
For Housing loan in the amount of EUR 50.000,00 and repayment period of 60 months, provision for loan processing 0,50%, and included administrative costs (two bills of exchange: EUR 4,00 € and Commission for using data from Credit Register/Bureau of CBM: EUR 3,50), nominal interest rate is 5,95 %, while effective interest rate is 6.17%. The sum of the total amount of the loan and the total amount of known loan costs amounts to EUR 57.967.16 and the amount of monthly installment is EUR 961,85.