Housing Loan in Lek

Housing Loan in ALL with a Fixed Interest Rate for 10 Years

Security and peace of mind for the first 10 years with predictable instalments.

*Valid for ALL currency only.

10-year fixed rate at 4.3% – stability for long-term planning

Predictable instalments – financial peace of mind

• Loan maturity up to 20 years
• Maximum loan amount: ALL 30,000,000
• Financing of up to 85%
• Effective interest rate: 4.54%

Illustrative Example

Fees or charges included in the total cost

• Administration fee: 1% of the loan amount, with a minimum of ALL 5,000 or EUR 50.
• Property valuation: Depending on the type of property. The valuation fee is determined in accordance with the pre-contractual information.
• Notarization costs: Depending on the number of contracts to be notarized and in accordance with the fees of notaries selected by the Bank.
• Property registration (mortgage blocking) costs: In accordance with the fees published by the State Cadastre Agency (ZRPP).

Loan Security

• Mortgage over real estate covering 125% of the loan amount.
• Cash deposit covering 110% of the loan amount.
• A co-borrower is required.
• Life insurance covering 100% of the loan amount and property insurance covering 110% of the loan amount.

Documents Required

• Proof of income (from salary, business activity, rental income, or any combination thereof);
• Identification documents (ID card or passport);
• Collateral documentation;

The Bank reserves the right to request additional documents if deemed necessary.

Here you may download the pre-contractual information for home purchase and construction.