Loan security instruments:
- Hypothecation or mortgage
on
the real estate in favour of the
Bank.,
- Insurance policy of real
estate from fire and other dangers,
vinculated by the owner in favour of
the Bank,
- Family bill of exchange (with
a property list).
Real estate value is
supposed to be one mentioned in the
real estate sales contact. Its
estimated value, compared with the amount of loan granted
equals, at least, a 1:1
ratio.
The loan contract contains a
general seizure clause and Consent
to seize salary for all
participant in the loan and must
be solemnized by a notary public.
Other terms of loan use:
The borrower is obliged to stipulate
a loan contract, at most, 30 days as
of the day of loan granting, otherwise
he looses his loan rights. The terms
of using the loan is, at most ,1 year
from the contract stipulation day.
The loan is repaid in equal
monthly installments expressed in
euro,
in kuna countervalue at the Bank's
mean exchange rate ruling on the
installment due day. Installments
mature on the last day of each month, until
the loan settlement day.
The borrower can contract a grace period of 6 or 12 months.
This is included in the loan repayment term.
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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 |
|
|
|
|
|
|
|
