Sustainable loans| NKBM

For sustainable purchases or a sustainably decorated home, choose a sustainable consumer or a sustainable housing loan with a more favorable interest rate than loans from the regular offer.

The Offer

A dedicated sustainable loan.

For sustainable purchases.

For a sustainably designed home.

Interest rate

More favorable than the regular offer.

Fixed interest rate.

Variable interest rate.

Extra

Click "I want an offer" and send an inquiry.

Take advantage of the comprehensive assistance of Nova KBM's experienced experts.

Apply for a sustainable consumer or housing loan on favorable terms

Sustainable consumer loan

Purpose*	Environmentally friendly cars* Bikes* Energy-efficient household appliances*
Loan amount	Up to 40,000 EUR.
Interest rate	Fixed interest rate with a maximum maturity of 83 months.
Loan insurance	No insurance.
Payment	The credit is 100% earmarked.
Benefits	A more favorable interest rate than the regular offer. No approval fees until the end of the year.

*The object of purchase must meet the conditions set by the bank.

Sustainable housing loan

Purpose*	Buying or building an energy-efficient house* Solar power plant* Heat Pump* Renovation to improve energy efficiency; windows, doors, roof, and facade.*
Loan amount	Up to 350,000 EUR.
Interest rate	Fixed interest rate with a maximum maturity of 20 years, variable interest rate with a maximum maturity of 30 years.
Loan insurance	With a mortgage on freehold real estate in the Republic of Slovenia or with the payment of an insurance premium.
Payment	The credit is 100% earmarked.
Benefits	A more favorable interest rate than the regular offer. No approval fees until the end of the year.

*The object of purchase must meet the conditions set by the bank.

Informative calculation

Sustainable housing loan - MORTGAGE

Sustainable housing loan - ZAVAROVALNICA TRIGLAV

Sustainable consumer loan

Sustainable housing loan - MORTGAGE 

	Sustainable housing loan	Sustainable housing loan
Total amount of the loan	100.000 EUR	100.000 EUR
Repayment period	240 months	240 months
Monthly installment	675,63 EUR	585,11 EUR
Annual interest rate	3-monthEuribor + 1,40 %	3,60 %
Approval costs	0 EUR	0 EUR
Form of insurance	Loan insurance with real estate	Loan insurance with real estate
Account management costs	5,80 EUR monthly	5,80 EUR monthly
Total cost of the loan	63.544,42 EUR	41.819,02 EUR
Total amount to be paid	163.544,42 EUR	141.819,02 EUR
Effective interest rate (EOM)	5,52 %	3,78 %

The calculation is informative and prepared on 25.04.2024. We invite you to a branch, where our experts will prepare a calculation for your case.

More about the loan

HOUSING LOAN - COMPOUND VARIABLE INTEREST RATE: In the calculation for a housing loan secured by a mortgage, a compound variable interest rate of 5,282% was used, calculated on the basis of the reference interest rate of 3-month Euribor in the amount of 3,882% and a surcharge in the amount of ;ini 1,40%.

The Euribor value on the day of calculation is 3,882%. In case 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. The surcharge determined on an annual basis is fixed in the calculation.

The bank expressly warns the borrower that in case of a change in the Euribor reference interest rate, the interest rate and annuity of the loan may change in relation to the previous period, which may increase or decrease depending on the change in the reference interest rate. Since the interest rate for regular interest under this contract is variable, the calculation of the total costs of the loan is based on the assumption that the interest rate remains the same as the initial amount until the final maturity of the loan under this contract. In case of an increase in the variable interest rate, the total cost of the loan may increase.

HOUSING LOAN - FIXED INTEREST RATE: A fixed interest rate of 3,60% was used in the calculation for a housing loan secured by a mortgage.

The bank pays interest on loans at a fixed annual interest rate.

The calculation is informative and not binding for the bank. The loan amount, repayment period and approval and repayment costs depend on the business of the borrower. More detailed information and an exact calculation can be obtained from all branches of our bank.

The calculated EOM is valid on the day of calculation. It changes if the interest rate, approval costs and loan approval date change. EOM is calculated on the assumption that the loan is used up and is repaid immediately (no intercalary interest is calculated).

The effective interest rate or EOM is an annual rate that reflects the actual price of money and is calculated by taking into account the terms of the loan, i.e. the total amount of the loan, the drawdown term, the repayment term, the number of monthly obligations, the interest rate, the approval costs and loan insurance and the costs of managing a personal/transaction account; its calculation is intended as information for the borrower and to fulfill the requirement to calculate the EOM in accordance with the legal provisions of the Consumer Loan Act. The effective interest rate is informative and may change if any of the items in the calculation change. Total Loan costs are all costs, including interest, commissions, taxes and other types of fees, which the borrower must pay in connection with the loan agreement and which are known to the bank, costs related to ancillary services in connection with the loan contract, especially insurance premiums, membership fees, taxes and costs of other contracts concluded with the bank; the total costs of the loan do not include notary fees and insurance premiums for insuring the goods, the purchase of which is financed with loan.

The total amount that the borrower must pay is the sum of the total amount of the loan and the total costs of the loan.

Sustainable housing loan - ZAVAROVALNICA TRIGLAV 

	Sustainable housing loan	Sustainable housing loan
Total amount of the loan	14.000 EUR	14.000 EUR
Repayment period	120 months	120 months
Monthly installment	151,59 EUR	140,42 EUR
Annual interest rate	3-month Euribor + 1,75 %	3,80 %
Approval costs	0 EUR	0 EUR
Loan costs	332,88 EUR	308,35 EUR
Account management costs	5,80 EUR monthly	5,80 EUR monthly
Total cost of the loan	5.471,79 EUR	3.862,90 EUR
Total amount to be paid	19.471,79 EUR	17.862,90 EUR
Effective interest rate (EOM)	7,05 %	5,26 %

The calculation is informative and prepared on 24.06.2024. We invite you to a branch, where our experts will prepare a calculation for your case.

More about the loan

HOUSING LOAN - COMPOUND VARIABLE INTEREST RATE: When calculating the home loan with insurance premium, a compound variable interest rate of 5,450% was used, calculated on the basis of the reference interest rate of 3-month Euribor in the amount of 3,700% and a mark-up in the amount of 1,75%.

The Euribor value on the day of calculation is 3,700%. In case 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. The surcharge determined on an annual basis is fixed in the calculation.

The bank expressly warns the borrower that in case of a change in the Euribor reference interest rate, the interest rate and annuity of the loan may change in relation to the previous period, which may increase or decrease depending on the change in the reference interest rate. Since the interest rate for regular interest under this contract is variable, the calculation of the total costs of the loan is based on the assumption that the interest rate remains the same as the initial amount until the final maturity of the loan under this contract. In case of an increase in the variable interest rate, the total cost of the loan may increase.

HOUSING LOAN - FIXED INTEREST RATE: When calculating the housing loan with insurance premium, a fixed interest rate of 3,80% was used

The bank pays interest on loans at a fixed annual interest rate.

The calculation is informative and not binding for the bank. The loan amount, repayment period and approval and repayment costs depend on the business of the borrower. More detailed information and an exact calculation can be obtained from all branches of our bank.

The calculated EOM is valid on the day of calculation. It changes if the interest rate, approval costs and loan approval date change. EOM is calculated on the assumption that the loan is used up and is repaid immediately (no intercalary interest is calculated).

The effective interest rate or EOM is an annual rate that reflects the actual price of money and is calculated by taking into account the terms of the loan, i.e. the total amount of the loan, the drawdown term, the repayment term, the number of monthly obligations, the interest rate, the approval costs and loan insurance and the costs of managing a personal/transaction account; its calculation is intended as information for the borrower and to fulfill the requirement to calculate the EOM in accordance with the legal provisions of the Consumer Loan Act. The effective interest rate is informative and may change if any of the items in the calculation change. Total loan costs are all costs, including interest, commissions, taxes and other types of fees, which the borrower must pay in connection with the loan agreement and which are known to the bank, costs related to ancillary services in connection with the loan contract, especially insurance premiums, membership fees, taxes and costs of other contracts concluded with the bank; the total costs of the loan do not include notary fees and insurance premiums for insuring the goods, the purchase of which is financed with loan .

The total amount that the borrower must pay is the sum of the total amount of the loan and the total costs of the loan.

Sustainable consumer loan 

	Sustainable consumer loan
Total amount of the loan	15.000 EUR
Repayment period	60 months
Monthly installment	293,49 EUR
Annual interest rate	6,50 %
Approval costs	0 EUR
Form of insurance	No insurance
Account management costs	5,80 EUR monthly
Total cost of the loan	2.957,55 EUR
Total amount to be paid	17.957,55 EUR
Effective interest rate (EOM)	7,57 %

The calculation is informative and prepared on 28.11.2023. We invite you to a branch, where our experts will prepare a calculation for your case.

More about the loan

GREEN PAYMENT NO LOAN - FIXED INTEREST RATE: A fixed interest rate of 6,50% was used in the calculation. The bank pays interest on loans at a fixed annual interest rate.

The calculation is informative and not binding for the bank. The loan amount, repayment period, and approval and repayment costs depend on the business of the borrower. More detailed information and an exact calculation can be obtained from all branches of our bank.

The calculated EOM is valid on the day of calculation. It changes if the interest rate, approval costs, and loan approval date change. EOM is calculated on the assumption that the loan is used up and is repaid immediately (no intercalary interest is calculated).

The effective interest rate or EOM is an annual rate that reflects the actual price of money and is calculated by taking into account the terms of the loan, i.e. the total amount of the loan, the drawdown term, the repayment term, the number of monthly obligations, the interest rate, the approval costs and loan insurance and the costs of managing a personal/transaction account; its calculation is intended as information for the borrower and to fulfill the requirement to calculate the EOM in accordance with the legal provisions of the Consumer loan Act. The effective interest rate is informative and may change if any of the items in the calculation change. Total loan costs are all costs, including interest, commissions, taxes, and other types of fees, which the borrower must pay in connection with the loan agreement and which are known to the bank, costs related to ancillary services in connection with the loan contract, especially insurance premiums, membership fees, taxes and costs of other contracts concluded with the bank; the total costs of the loan do not include notary fees and insurance premiums for insuring the goods, the purchase of which is financed with the loan.

The total amount that the borrower must pay is the sum of the total amount of the loan and the total costs of the loan.

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

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I AM INTERESTED IN A SUSTAINABLE CONSUMER LOAN I AM INTERESTED IN A SUSTAINABLE LOAN

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IN THE BRANCH

We are the most accessible bank with the widest network that enables you to conclude the green loan and meet your banking demands across the whole country.

PRICE LIST AND GENERAL CONDITIONS

 GENERAL INFORMATION

 WHAT DO YOU NEED FOR A HOUSING LOAN?

 WHAT DO YOU NEED FOR A CONSUMER LOAN?

INTEREST RATES

 GENERAL INFORMATION 

General information about the credit agreement for real estate

List of real estate appraisers

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 FOR A HOUSING LOAN? 

The condition for the 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 will receive information on the necessary documentation for obtaining a green consumer loan or a green housing loan in the branches of our bank.



You need the following documents:

a valid ID with a photo,
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 must be from the bank where the TRR is open (only when paying the insurance premium),
other documents at the discretion of the bank employee.

Also print and fill out:

Certificate 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 business 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

	The receipt of the first regular inflow to the new account in our bank is followed by the signing of the loan agreement in the nearest branch and immediate fulfillment of your wishes.

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

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 WHAT DO YOU NEED FOR A CONSUMER LOAN? 

	Our existing customers

	New customers

The bank does not offer consumer loans in foreign currency and consumer loans for real estate in foreign currency, as defined by the Consumer Credit Act (ZPotK-2).

A consumer loan in foreign currency is a loan that is calculated in the currency of:

which is not the currency in which the consumer receives income at the time of creditworthiness assessment or has funds from which the loan will be repaid, or
which is not the currency of the Member State in which the consumer has his permanent residence at the time of concluding the loan agreement.

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.

In case 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

Kredit NAPREJ

Sustainable loans| NKBM

At Nova KBM, we support your concern for the environment, which is why we have added something new to our offer: sustainable loans, with which you can finance energy-efficient and environmentally friendly solutions.