Loan repayment security:
- Hypothecation or mortgage over a real estate in
favour of the Bank (1:1 ratio)
- Police of insuring a real estate against fire and other
dangers, vinculated by the owner in favour of the Bank
- Family bill of exchange ( with a property list)
For all participants in the lending operation, the loan contract
contains a General seizure clause and Consent to seize their salaries. The
same contract must be solemnized by a notary public.
Use and loan withdrawals:
The loan payouts are carried out in kuna countervalue at the mean exchange rate of the Bank ruling on the withdrawal date. The loans are contracted with a euro
foreign currency clause. Repayment of payables is calculated
at the mean exchange rate for euro at a due date.
The term of loan withdrawal is 3 months as of signing a loan contract. For building a family house, the term of use may
equal, at most, one year.
The funds are transferred directly to the account of sellers or through a credit letter, all in accordance with items specified on the cost list, accompanied by original and pro forma invoices.
The Bank can grant payouts of up to 50% of loan granted directly to the borrower's account, with a 1% fee on the amount paid when buying a flat, a family house
or a building lot. At building, adaptation, reconstruction of a building facility, the Bank can pay out the whole amount of loan granted to the borrower's account with a fee ( up to 50% - a 1% fee, 51 -100% - a 1,5% fee).
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 |
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Applicable
as of:
8.2.2012.
|
|
|
| curr. |
|
buying |
mean |
selling |
| AUD |
1 |
6,120621 |
6,226471 |
6,332321 |
|
| USD |
1 |
5,685156 |
5,771732 |
5,858308 |
|
| CHF |
1 |
6,179784 |
6,273892 |
6,368000 |
|
| EUR |
1 |
7,518230 |
7,578861 |
7,631913 |
|
| GBP |
1 |
8,990941 |
9,127859 |
9,264777 |
|
| CAD |
1 |
5,693558 |
5,792022 |
5,890486 |
|
|
|
| Complete foreign exchange list |
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