Housing Loan

 

ONE LOAN CHANGES EVERYTHING!

Komercijalna banka approves housing lonas under extremelz favourable conditions for multiple purpose.

Purposes for which you can use the loan are:

  • Purchase of flat or house
  • Refurbishment, reconstruction or furnishing of flat or a house
  • Construction of family house
  • Purchase of construction lot

Who can be the user of a housing loan?

  • Private individuals older than 18 years of age with regular employment for at least 6 months

Documentation necessary for housing lonas:

FOR PURCHASE OF FLAT (EXISTING ONE)

  1. Preagreement or a sales agreement (verified by the court)
  2. excerpt from the book of contracts on buy off of flats and housing buildings- original (obtain in the cadastre – not older than a month)
  3. decision on permit to enter the contract into the book of contracts
  4. Mortgage – evaluation of real estate 1:1,3 (with the court expert)
  5. Insurance policy on the piece of real estate against all perils endorsed in favour of the bank (upon approval of credit committee)
  6. Contract on tied-up savings 20% (upon approval of credit committee)

Guarantor (from state owned company or off the budget)

  1. payment list for the last three months – verified in the company
  2. Certificate on permanent employment
  3. ID copy
  4. Certificate on residence

FOR PURCHASE OF NEW FLAT OR HOUSE

  1. Sales agreement (verified by the court)
  2. Land excerpt from the land office (not older than a month)
  3. Property deed (cadastre)
  4. Decision (of the department for spacial management)
  5. Mortgage
  6. Evaluated worth of the piece of real estate 1:1,5 (with the court expert)
  1. Insurance policy on the piece of real estate against all perils endorsed in favour of the bank (upon approval of credit committee)
  2. Contract on tied-up savings 20% (upon approval of credit committee)

Guarantor (from state owned company or off the budget)

  1. payment list for the last three months – verified in the company
  2. Certificate on permanent employment
  3. ID copy
  4. Certificate on residence

FOR CONSTRUCTIONK, REFURBISHMENT OF FLAT OR A HOUSE

  1. Land excerpt from the cadastre (not older than 30 days)
  2. copy of cadastre plan
  3. property deed (from the cadastre)
  4. construction permit
  5. pre-calculation from the contractor
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