KLJUČ HOUSING LOANS WITH FIXED INTEREST RATE | Societe Generale Montenegro
Subscribe to Syndicate
A+ / A / A-
Naslovnica > Content > KLJUČ HOUSING LOANS WITH FIXED INTEREST RATE
KLJUČ HOUSING LOANS WITH FIXED INTEREST RATE

Societe Generale Montenegro started approving KLJUČ housing loans with fixed interest rate as well. When taking the housing loan the clients now have the possibility to choose between KLJUČ housing loan with variable and with fixed interest rate what enables them to select the most convenient manner to solve the important issue – living space.

KLJUČ housing loans are approved in the amounts above 7.000 €. Maximum loan amount is not limited; it depends on credit worthiness of the client while the envisaged repayment period is from 3 to 25 years for the loans with variable interest rate or from 3 to 20 years for the loans with fixed interest rate.

The loans are approved per nominal annual variable interest rate (NIR) is 5.99% + six month Euribor, whereas the effective interest rate (EIR) is 6.44%. If the client wants to repay the housing loan at fixed interest rate, nominal annual fixed interest rate (NIR) is 7.49% while the effective interest rate (EKS) is 7.61%.

Maximum salary encumbrance, in addition to other credit receivables, may be up to 50% with the possibility to have a co-debtor, while the conform calculation method applied by Societe Generale Montenegro provides additional convenience for the client.

The required collateral is bill of exchange and authorization bill, I class mortgage for the real estate which is the subject of the loan or some other real estate, life insurance policy of the Loan Beneficiary and property insurance policy made in favor of the bank.

Branch offices

Real estates

Real estates for saleRequest for lease

Currency exchange list

  • val. unit. Srednji change
  • CHF 1 1.1033
  • GBP 1 0.8964
  • USD 1 1.1226
  • rate 6m. 3m.
  • EURIBOR -0.35 -0.37