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Cash loans
- Cash loan with mortgage / Refinancing
Refinancing
Key feature
From EUR 500 to EUR 300.000
- Repayment period from 3 to 240 months
- Nominal interest rate: fixed of 5,45%
- Effective interest rate from 5,65%
- Bank fee from 0,5% up to 2% of the loan amount
- Quick and easy way to get loan
- Administrative ban on the salary / pension of the client / guarantor
- Bill of exchange and bill of exchange authorization signed by the client / guarantor
- First-class mortgage in favor of the Bank
- Real estate insurance policy
- Life insurance policy
- Life insurance policy is not mandatory, but if it is not used as a means of securing a loan, the interest rate is increased by 0.3%.
* * The Bank reserves the right to accept an alternative security instrument if found acceptable and in line with the Bank's business policy.
Required documentation
Loan application
Employment certificate
Administrative withholding order on salary/pension
Consent for an enquiry in the Credit Bureau Registry (R.K.B.)
Representative example
Loan amount
Repayment term
Nominal interest rate
Monthly repayment
Administrative fee
Effective interest rate
Total debt
20.000 €
240 months
6,45%
371,34 €
250,00 €
6,71%
89.376,72 €
Representative example (Variable interest rate)
Loan amount
Repayment term
Nominal interest rate
Monthly repayment
Administrative fee
Effective interest rate
Total debt
50.000,00 €
240
5.25%+6M Euribor
336,94 €
250,00 €
5,44%
81.120,39 €
Fiksna kamatna stopa
Varijabilna kamatna stopa
Iznos kredita
20.000 €
20.000 €
Rok otplate
96 mjeseca
96 mjeseca
Nominalna kamatna stopa
6.95%+6M Euribor
6.95%
Anuitet
272.20 €
272.20 €
Administrativna naknada
100 €
100 €
Efektivna kamatna stopa
7,33%
7,33%
Ukupan dug
20.000 €
26.235,65 €
* The calculation of the 6-month EURIBOR is done twice a year (January 1st and July 1st).
** The total debt includes the loan amount, total interest, loan processing fee, cost of bill of exchange of EUR 2 and cost of inquiry in the Montenegrin Credit Registrar of EUR 3.00. The cost of life insurance policy, property insurance policy and real estate appraisal cost are not included in the EUR.
*** The data on this loan may vary depending on the client's solvency. For more information, please visit a local branch of Lovćen banka AD or make an appointment by phone on 19 993 or send an e-mail to: kontakt@lovcenbanka.me