Jadranska banka d.d. offers favorable
loans, totaling from euro 20.000,00 to
200.000,00 in kuna countervalue, for buying flats at the Šibenik-Šubicevac locality,
an attractive residential area of Šibenik. This
residential-business complex will be a modern
architecture settlement with all
preconditions necessary for the living of modern families. The
investor of the Šibenik-Šubicevac
residential-commercial settlement is ZAGREB-MONTAŽA
d.o.o. Zagreb.
With loans granted by Jadranska banka for buying flats at the Šibenik-Šubicevac locality You realize a series of benefits:
- Getting a loan before
carrying out registering in Land registers the ownership
over the real estate, by flats; all You need is a pro-forma contract/a
real estate sales contract,
- Favorable interest rates: 6% annually, changeable,
- Loan amounts totaling up to euro 200.000,00,
- No loan processing fees,
- No deposits,
- A possibility of a 6-12 month
grace period.
Who can use the loans?
Housing loans offered by
Jadranska banka can be used by physical persons- Croatian citizens
having
residence in Croatia- who, based on their creditworthiness,
can be participants in such a loan operation.
Creditworthy is the person whose
monthly loan payables do not exceed 1/2
of his permanent non- burdened monthly income.
To the
loan applicant's creditworthiness can be included
other creditworthy persons with their incomes. In the capacity of a co-debtor, these are
considered creditworthy
if their monthly loan payables do not
exceed 1/2 of their permanent non- burdened monthly
income.
Creditworthiness of loan participants
is established depending on where they are employed,
based on the employer's confirmation on their salary
amounts, on the last three pay rolls, the BON-2/SOL
forms and
BON-1 forms, copies of last pension rolls and
similar.
Only persons employed by different
employers can
appear within a single loan application and just one:
pensioner, artisan, person
employed by artisans or person realizing income from an independent
activity.
The age of loan
applicant and other loan participants together
must not exceed 75
years as at the
loan settlement date.
What are the basic lending
terms?
Depending on loan amounts, the
repayment time periods equal:
- From euro 20.000,00 to 30.000,00 -
5 to 15 years
- From euro 30.001,00 to 60.000,00 -
5 to 20 years
- From euro 60.001,00 to 200.000,00 - 5 to 30 years
The interest rate on loans
granted is changeable and totals 6% per
annum.
Loan using
The loan user must conclude a Contract on Loan
Using, not later than 30 days as of the loan granting
day. Otherwise, he will lose his rights to the
same loan. The loan using term equals up to one year
as of the contract concluding.
General documentation:
- A loan application
- A copy of identity cards of the loan applicant, the co-debtor and pledge debtors
- The last pay roll (certified by the employer),
- A proof of the ownership over real estate, the original excerpt from the land register, i.e. an excerpt from the book of contracts deposited , not older than 5 days,
- Real estate evaluation,
- A policy of real estate insurance, vinculated in favour of the Bank,
- If needed, the Bank can require additional documentation.
Amounts of monthly installments:
- For loans contracted without a
grace period
| Loan
amount in euro |
5 years |
10 years |
15 years |
20 years |
25 years |
30 years |
|
| 20.000 |
386,66 |
222,04 |
168,77 |
- |
- |
- |
|
| 30.000 |
579,98 |
333,06 |
253,16 |
- |
- |
- |
|
| 40.000 |
773,31 |
444,08 |
337,54 |
286,57 |
- |
- |
|
| 50.000 |
966,64 |
555,10 |
421,93 |
358,22 |
- |
- |
|
| 60.000 |
1.159,97 |
666,12 |
506,31 |
429,86 |
- |
- |
|
| 70.000 |
1.353,30 |
777,14 |
590,70 |
501,50 |
451,01 |
419,69 |
|
| 80.000 |
1.546,62 |
888,16 |
675,09 |
573,14 |
515,44 |
479,64 |
|
| 90.000 |
1,739,95 |
999,18 |
759,47 |
644,79 |
579,87 |
539,60 |
|
| 100.000 |
1.933,28 |
1.110,21 |
843,86 |
716,43 |
644,30 |
599,55 |
|
| 200.000 |
3.866,56 |
2.220,41 |
1.687,71 |
1.432,86 |
1.288,60 |
1.199,10 |
|
|
|
- With loans contracted
with 6- month grace period (
the repayment term is included the grace
period), the first installment matures in the month following
the grace period expiry. During the grace period, interest
is calculated and charged monthly.
| Loan
amount in euro |
5 years |
10 years |
15 years |
20 years |
25 years |
30 years |
|
| 20.000 |
423,54 |
230,59 |
172,37 |
- |
- |
- |
|
| 30.000 |
635,31 |
345,88 |
258,56 |
- |
- |
- |
|
| 40.000 |
847,07 |
461,18 |
344,74 |
290,39 |
- |
- |
|
| 50.000 |
1.058,84 |
576,47 |
430,93 |
362,99 |
- |
- |
|
| 60.000 |
1.270,61 |
691,77 |
517,12 |
435,59 |
- |
- |
|
| 70.000 |
1.482,38 |
807,06 |
603,30 |
508,18 |
455,00 |
422,24 |
|
| 80.000 |
1.694,15 |
922,36 |
689,49 |
580,78 |
520,00 |
482,56 |
|
| 90.000 |
1.905,92 |
1.037,65 |
775,68 |
653,38 |
585,00 |
542,88 |
|
| 100.000 |
2.117,69 |
1.152,95 |
861,86 |
725,98 |
650,00 |
603,20 |
|
| 200.000 |
4.235,37 |
2.305,90 |
1.723,72 |
1.451,95 |
1.300,00 |
1.206,40 |
|
|
|
- With loans contracted
with a 12- month grace period ,
the first installment matures in the month following
the grace period expiry. During the grace period, interest
is calculated and charged monthly.
| Loan
amount in euro |
5 years |
10 years |
15 years |
20 years |
25 years |
30 years |
|
| 20.000 |
469,70 |
240,11 |
176,25 |
- |
- |
- |
|
| 30.000 |
704,50 |
360,17 |
264,37 |
- |
- |
- |
|
| 40.000 |
939,40 |
480,23 |
352,49 |
294,43 |
- |
- |
|
| 50.000 |
1.174,25 |
600,29 |
440,62 |
368,04 |
- |
- |
|
| 60.000 |
1.409,10 |
720,34 |
528,74 |
441,65 |
- |
- |
|
| 70.000 |
1.643,95 |
840,40 |
616,87 |
515,26 |
459,18 |
424,90 |
|
| 80.000 |
1.878,80 |
960,46 |
704,99 |
588,87 |
524,78 |
485,60 |
|
| 90.000 |
2.113,65 |
1.080,52 |
793,11 |
662,47 |
590,38 |
546,30 |
|
| 100.000 |
2.348,50 |
1.200,57 |
881,24 |
736,08 |
655,98 |
607,00 |
|
| 200.000 |
4.697,01 |
2.401,15 |
1.762,47 |
1.472,17 |
1.311,96 |
1.214,01 |
|
|
|
|
|
|
 |
|
Applicable
as of:
4.2.2012.
|
|
|
| curr. |
|
buying |
mean |
selling |
| AUD |
1 |
6,053832 |
6,158527 |
6,263222 |
|
| USD |
1 |
5,666036 |
5,752321 |
5,838606 |
|
| CHF |
1 |
6,195537 |
6,289885 |
6,384233 |
|
| EUR |
1 |
7,518054 |
7,578683 |
7,631734 |
|
| GBP |
1 |
8,978834 |
9,115568 |
9,252302 |
|
| CAD |
1 |
5,662698 |
5,760629 |
5,858560 |
|
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|
| Complete foreign exchange list |
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