Housing loans

The condition for loan approval is a regular monthly inflow to the personal account or a receipt of inflows from the borrower of another bank.
Pensioners must submit the last original ZPIZ notice.

	Our existing customers

	New customers



You need the following documents:

valid identification document with picture,
additional documentation depending on the various purposes of renting a loan (e.g. a notarized purchase and sale agreement for the purchase of an apartment),
tax š number,
printout of traffic for the last 6 months on TRR,
employees, original of the last 12 pay slips, for pensioners the original of the pension payment certificate (ZPIZ Notice) for the last 3 months,
a certificate of inflows for the last 12 months, which he must bring from the bank where he has an open TRR (only when paying the insurance premium),
other documents at the discretion of the bank employee.

Natisnite in izpolnite tudi:

Pcertificate of employment and salary of the borrower-guarantor

Resignation statement and administrative disbursement ban

Statement of household expenses

Application for forwarding data from salary, annuity and pension as well as deductions from loans via permanent accounts

Before approving the loan, the bank will check the correctness of your operations in the SISBON system.
More information: www.sisbon.si

For various purposes of renting a loan, you need the following additional documentation, and any other documentation is only required at the discretion of the bank advisor:

For the construction of a residential house	building permit, land register statement or ownership document
When buying an apartment or house	notarized purchase and sale agreement
When renovating an apartment or house	proof of ownership of the housing unit land register statement or ownership document
For payment of shares after divorce	a final decision or a notarized agreement on the division of joint property

	I receive the first regular inflow to the vaš A new account in our bank is followed by the signing of a loan agreement in the nearest branch and immediate fulfillment of your wishes.

Nova KBM

Become a client of our bank and take advantage of more favorable loan conditions after the first regular monthly inflow.

LEAR MORE

Fixed interest rate: The interest rate does not change during the term of the loan, which means that the customer pays the same amount every month and thus knows with certainty the total interest that he will pay during the term of the loan.

Variable interest rate: The interest rate is variable and is equal to the sum of the reference interest rate 6M EURIBOR and the fixed interest margin.

In the event that the EURIBOR would be less than 0.00%, for the period when the EURIBOR is lower than 0.00%, the bank applies and calculates the contractual interest at the reference interest rate EURIBOR 0.00%, increased by the surcharge.

How EURIBOR affects the monthly annuity during the variable interest rate period depends on the value of EURIBOR and the repayment phase of the loan.

STANOVANJSKI KREDIT

Purpose	Purchase, renovation, or construction of the real estate, repayment of existing housing loans at our or another bank.
Loan amount	Up to 500,000 EUR.
Interest rate	Fixed interest rate with a maximum maturity of 20 years. Variable interest rate with a maximum maturity of 31 years.
Loan insurance	With a mortgage on freehold real estate in the Republic of Slovenia or with the payment of an insurance premium. The possibility of applying for a loan with a growing mortgage.
Payment	During construction and adaptation up to 20% of the approved credit is paid in cash.
Benefits	Benefits for the holders of the Komplet, Premium, and Bank at work bundles.
Do not overlook	A co-borrower can participate in the repayment of a loan secured by a mortgage without additional costs.

Purpose	Purchase, renovation, or construction of the real estate, repayment of existing loans at our or another bank.*
Loan amount	Up to 150,000 EUR.
Interest rate	Fixed or variable interest with a maturity of up to 20 years.
Loan insurance	With a mortgage on freehold real estate in the Republic of Slovenia.
Payment	We pay 100% of the approved credit in cash.* No evidence is required.
Benefits	Benefits for the holders of the Komplet, Premium, and Bank at work bundles.
Do not overlook	A co-borrower can participate in the repayment of a loan secured by a mortgage without additional costs.

Housing loans | NKBM

For everyone who is building, buying or renovating their home.

HOUSING LOANS

An award-winning fixed rate housing loan

CALCULATE YOUR CREDIT ABILITY AND GET A FAVORABLE OFFER

HOW TO GET A HOUSING LOAN?

HOW MUCH MONEY DO YOU NEED?

CREDIT OFFER

TAKE OUT A LOAN

Are you having problems with loan repayments due to the consequences of the epidemic?

Informative calculation

Which loan to choose?

Are you interested in a housing loan? The conclusion is simple.

With just one call

In the branch

Life insurance for the borrowers of housing loans

Our existing customers

New customers

EXCEPTIONAL HOUSING LOAN OFFER

YOU MAY ALSO BE INTERESTED

Ways to bank

Tools

About Us