Information and characteristics
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Real estate purchase and redemption of housing financing
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From 3.33% EPM 3.60%*
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Repayment period up to 20 years
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Up to 50,000 BAM without mortgage
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Additional funds to current account up to 10% of the sales price amount
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Additional benefits with activation of product packages
*Effective profit margin (for FBiH) was calculated as at 01.11.2017 for financing of real estate purchase, secured by mortgage on the real estate, to the amount of 100,000.00 BAM and repayment period of 60 months, with the assumption that the complete financing amount is transferred to account of the real estate seller.
EPM includes the following costs: fee for the Financing Application processing 0%; fee for the financing account maintenance 2.20 BAM - per month, fixed; maintenance fee for the BBI SMART package 4.99 BAM - per month, fixed; assumed costs of real estate insurance during the financing period 120.00 BAM - one-time, fixed; costs of issuing Statements from the Central Loan Register 5.00 BAM - one-time, fixed.
Nominal profit margin is variable and it is linked to EURIBOR. Amount in BAM currency is linked to EUR according to the CBBiH medium exchange rate, effective on the day of signing the Contract - for financings with repayment period exceeding 5 years.
The Bank shall retain the right to change conditions of this offer in accordance with relevant procedures.
Necessary documents
- Application Form for financing completed and signed by the main debtor/co-debtor/guarantor and certified by the employer;
- Copy of ID Card for the main debtor/co-debtor/guarantor;
- Copy of Residence Certificate (CIPS) for the main debtor/co-debtor/guarantor;
- Evidence on the income of the main debtor/co-debtor/guarantor - three final pay slips/pension payment or three final monthly statements by current account;
- Certified copy of GIP 1022 Form from the employer (except for employees of budget institutions, public companies and other organization forms financed from the BiH budget, as well as employees of companies registered in the Republika Srpska);
- Certified copy of the Decision from the relevant administration body for the main debtor/co-debtor/guarantor in case of a self-employed person;
- Copy of the Employment Contract of the main debtor/co-debtor/guarantor in case of employees of international organizations;
- Documentation proving the purpose of financing (contract/precontract on the purchase).
For financings secured by mortgage
- Appraisal from Certified Court Expert from the BBI list, not older than 6 months;
- The original Land Registry Certificate for the real estate (not older than one month);
- The real estate insurance policy from the following risks: fire, flood, earthquakes and gas explosion, contracted to the period of financing duration, secured in favour of BBI Bank;
- Mortgage Contract prepared by the Notary.
Acceptable collaterals
- Document on foreclosure for the financing beneficiary and other participants providing a personal guarantee for the settlement of financing liabilities
- Personal bills of exchange with indication without a protest
- Co-debtors/guarantors
- Mortgage
The Bank shall retain the right to request other documentation in the application procedure.
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