Splitska banka Societe Generale Group > Individuals > Housing loans

Giro Account:
2330003-1000000013

Statistical no. (MB): 03129241

Registration no. (MBS): 060000488

SWIFT: SOGEHR22

VBDI: 2330003

Individuals / Housing loans / Without a Bank account

Offer to clients without a Bank account

Benefit – option to have the loan expenses refunded from the loan amount (may increase the loan amount):
- Credit administration expenses
- Payment of insurance premiums for a new insurance policy if the insurance company holds an account with the Bank
- Tax on real estate transactions – based on the Decision of the Tax Administration
- Notarisation expenses – based on an invoice issued by the notary public
- Real estate valuation expenses
- Forming a deposit or share in an investment fund (loan collateral)
Interest rates, variable, with EUR currency clause:
- 6.90 % ...... EIR (7.47 % )
  
  Loan documentation and purpose:
  a) notarized sales contract or preliminary sales contract
  b) land registry certificate, not older than 10 days
  c) cost estimate for planned works issued by a company or person certified for planning services
  d) valuation of the real property (subject to fiduciary transfer of ownership) prepared by the Bank’s certified assessor
  e) valid construction permit
  f) plan of the object (ground-plan and front)
- for the acquisition of building land
  - documents a), b), d), e) or confirmation of the competent body that the land is in the construction zone
- for the municipal development of building land
  - documents b), c), d), e)
- for the reconstruction, repair and renovation of family houses and apartments
  - documents b), c), d), e) or confirmation of the competent body that no permit is required for the specified works
- for the construction and finalization of family houses and apartments
  - documents b), c), d), f), e) or confirmation of the competent body that no permit is required for the specified works
- for the acquisition of family houses and apartments
  - documents a), b), d), f)
    
    The documents submitted must be originals or duly signed and sealed copies.
Disbursement (utilization):
1. for the acquisition (items 1 and 5) – disbursement directly to the seller’s account
2. for other purposes (items 2 - 4), the loan is disbursed as follows:
- cash disbursement up to 70% of the amount free of charge; for higher amounts a 2% fee is charged
- free of charge on the remaining amount based on invoice or cost estimate
3. Part of the loan up to 20,000 EUR can be used by a MasterCard to purchase goods and pay services associated with the equipment of the apartment
Purpose and amounts:
- for purposes under 4), 5) and 6)
  - 10,000 – 200,000 EUR
- for other purposes
  - 10,000 – 50,000 EUR
Amounts and repayment terms (standard repayment model):
- 10,000 – 30,000 EUR, up to 15 years
- 30,001 – 50,000 EUR, up to 20 years
- 50,001 – 200,000 EUR, up to 25 years – purpose 4),5) and 6)
Repayment - models:
- standard (through monthly annuities)
  - grace period (included in the repayment term) – up to 12 months with interest charged
Standard collaterals:
- according to General Terms and Conditions, depending on the type of loan
- property insurance against fire and other perils (the insured amount depends on the value of the property), to be renewed annually until expiry of the repayment term and registered in the Bank’s favour, as well as other types of insurance required
Additional collaterals (standard model):
VARIANT I
1) fiduciary transfer of ownership of the real property, where the ratio between the loan value and the real property value is 1:1.05
2) one to three guarantors of adequate creditworthiness ………………or
....deposit of 10% of the loan amount or share of 12% of the loan amount in SELECT Eurobond or share of 20% of the loan amount in SELECT Europe and life insurance policy with the insured amount equalling at least 30% of the loan amount and accident insurance policy twice the value of life insurance or risk policy equalling the loan amount.
VARIANT II
1) fiduciary ownership of the real property, where the ratio between the loan value and the real property value is 1:1.20
2) one to three guarantors of adequate creditworthiness ………………or
....life insurance policy with the insured amount equalling at least 25% of the loan amount and accident insurance policy twice the value of life insurance or risk policy equalling the loan amount.
VARIANT III
1) fiduciary ownership of the real property, where the ratio between the loan value and the real property value is 1:2
2) Risk policy equalling the loan amount ………………or
....one to three guarantors of adequate creditworthiness
Creditworthiness: according to General Terms and Conditions