Housing projects credit offer

Don't miss the great opportunity of housing loans to buy real estate in cooperation with our partners.

We have lowered the interest rates on housing loans for you. Convince yourself with an informative calculation and get an individual offer in our branch.

Dedicated housing loan with a fixed or variable interest rate

Purpose	Purchase of real estate and repayment of existing housing loans from our or another bank.
Loan amount	Up to 500.000 EUR.
Interest rate	Fixed interest rate with a term of up to 20 years. Variable interest rate with a term of up to 31 years.
Loan insurance	With a mortgage on the property that is the subject of purchase. With insurance from an insurance company.
Payment	When buying real estate, we give you up to 20% of the approved loan in cash.
Benefits	No appraisal fees. No approval fees. For new clients who are holders of the Komplet or Premium bundle: 6 months without bundle maintenance fees. Additional benefits for Paketa Komplet, Premium, and Bank at work program participants.
	A co-borrower can also participate in the repayment of a loan secured by a mortgage without additional costs.
Do not overlook	When the loan is approved, intercalary interest is also calculated, the amount of which depends on the day of the loan rental in the month, and it is deducted when the loan is transferred. In case of an increase in the reference interest rate, the total amount of the loan that the borrower must pay may increase significantly.
Insurance*	Make sure that, in case of unpleasant events, the repayment of the loan does not burden your loved ones, and take out life insurance. Also, ensure the security of your home and contract property insurance. * You can take out insurance at our bank branches. Insurance is not a banking service. Nova KBM acts as an intermediary in marketing, while the insurer is GENERALI d.d.

Contact information of banking advisors

 Maribor - Centrala branch, Vito Kraigherja 4 

	Andrej Vršič
	02 229 21 64
	avrsic@nkbm.si

	Danijela Đurić
	02 229 21 65
	dduric@nkbm.si

	Goran Ristić
	02 229 21 49
	gristic@nkbm.si

	Lidija Štumperger
	02 229 21 51
	lstumperger@nkbm.si

 Maribor - Branch Ljubljanska, Ljubljanska 1-3 

	Barbara Radoš
	02 229 15 21
	brados@nkbm.si

 Maribor - Premium branch, Razlagova 4 

	Darja Judar
	02 229 23 99
	djudar@nkbm.si

 Maribor - Cesta Zmage branch, Cesta Zmage 98 

	Maja Šket
	02 229 19 34
	msket@nkbm.si

Ljubljana - Ljubljana Center branch, Stritarjeva 2 

	Spela Lipkovšek
	01 620 30 31
	slipkovsek@nkbm.si

Ljubljana - Branch Ljubljana 1, Tivolska 48 

	Matej Gorjup
	01 620 30 11
	mgorjup@nkbm.si

Ljubljana - Branch Aleja, Rakuševa Street 1 

	Damjan Lampič
	01 620 30 19
	dlampic@nkbm.si

HOW TO GET A HOUSING LOAN?

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HOW MUCH MONEY DO YOU NEED?

First, think about your specific needs and desires, taking into account your current financial situation. Armed with a wealth of information, tackle the numbers.

Informative credit calculation

My Credit Calculation Comparator

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CREDIT OFFER

Send us your wishes or visit us in our nearest office so that we can prepare an individual offer. With the confirmation of the offer, the process of submitting the loan application begins.

Credit application

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Visit us

 I AM INTERESTED

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TAKE OUT A LOAN

If the application is approved, we will ask you to report to the nearest branch to sign the documentation and the money will be instantly transferred to your account.

	What documents do you need?

PRICE-LIST OF SERVICES

 GENERAL INFORMATION

 WHAT DO YOU NEED?

INTEREST RATES

 GENERAL INFORMATION 

General information about the credit agreement

List of appraisers of real estate and movable property

Policy of behavior of Nova KBM dd in the event that the consumer is late with the payment of obligations from the credit agreement for real estate

 WHAT DO YOU NEED? 

Pogoj za odobritev kredita je redni mesečni priliv na osebni račun ali potrdilo prilivov kreditojemalca druge banke.
Upokojenci morajo predložiti zadnje originalno obvestilo ZPIZ-a.

	OBSTOJEČE STRANKE

	NOVE STRANKE

INTEREST RATES 

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. If the EURIBOR is negative, the negative Euribor value is taken into account when calculating the total interest rate, which means that the bank subtracts the negative value from the interest margin.

Compound interest rate: An interest rate is a combination of fixed and variable interest rates. A compound rate loan has an initial fixed interest rate followed by a variable interest rate. The fixed part is arranged with two time interval options – 5 or 10 years. The bank can also offer the customer a continuation of the loan with a fixed interest rate, but at the current interest rate. Regardless of the EURIBOR value, the annuity remains unchanged during the term of the fixed rate loan.

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

Special offer of housing loans!

Take advantage of the extremely favorable offer of housing loans with a fixed interest rate until September 30, 2020 , or until the quota is used up . The offer is intended for holders of the Komplet, Premium and Banka na work packages.

All borrowers can rent a home loan without approval costs until the end of the year.

I WANT AN OFFER MORE ON THIS

Za gradnjo stanovanjske hiše	gradbeno dovoljenje, zemljiško-knjižni izpisek ali dokument o lastništvu
Pri nakupu stanovanja ali stanovanjske hiše	notarsko overjena kupo-prodajna pogodba
Ob prenovi stanovanja ali stanovanjske hiše	dokazilo o lastništvu stanovanjske enote zemljiško-knjižni izpisek ali dokument o lastništvu
Za izplačilo deležev po razvezi zakona	pravnomočni sklep ali notarsko overjen sporazum o razdelitvi skupnega premoženja

Za gradnjo stanovanjske hiše	gradbeno dovoljenje, zemljiško-knjižni izpisek ali dokument o lastništvu
Pri nakupu stanovanja ali stanovanjske hiše	notarsko overjena kupo-prodajna pogodba
Ob prenovi stanovanja ali stanovanjske hiše	dokazilo o lastništvu stanovanjske enote zemljiško-knjižni izpisek ali dokument o lastništvu
Za izplačilo deležev po razvezi zakona	pravnomočni sklep ali notarsko overjen sporazum o razdelitvi skupnega premoženja

Housing projects credit offer | NKBM

You are buying your home for everything.

LOAN OFFER FOR HOUSING PROJECTS

Dedicated housing loan with a fixed or variable interest rate

Contact information of banking advisors

HOW TO GET A HOUSING LOAN?

HOW MUCH MONEY DO YOU NEED?

CREDIT OFFER

TAKE OUT A LOAN

OBSTOJEČE STRANKE

NOVE STRANKE

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