Housing loan without approval costs!*

The calculation is for information purposes only and is not binding on the Bank. Should the terms and conditions change or should different circumstances arise on the part of the borrower, the terms and conditions included in the informative calculation may be adjusted or amended. The granting of the loan is subject to the creditworthiness of the borrower, which must be verified beforehand. The Bank reserves the right to refuse to enter into a loan agreement without giving reasons.
A representative example of an advertised offer, which is not binding on the Bank, is drawn up on the basis of predefined loan characteristics (loan amount, repayment period, type of interest rate, etc.).
The effective interest rate calculation includes the total cost of the loan, which includes interest, the loan management fee (EUR 4.50/month), the cost of the appraisal (EUR 300 on average) and the cost of keeping the transaction e-account (EUR 2.60/month) and the card account (EUR 0.20/month) if the salary transfer calculation is chosen. The effective interest rate does not include notarial fees and the cost of entering the mortgage in the land register. The effective interest rate changes if any of the data used in the calculation changes. It is calculated on the assumption that the loan is used at the date of transfer into repayment.
In order to obtain an offer under the salary transfer calculation terms and conditions, you must open a transaction account with Banka Intesa Sanpaolo d.d. and transfer your regular income. The loan is also available without opening a transaction account and transferring regular income, but in this case, the loan interest rate may be higher than indicated in the calculation without salary transfer. 
The housing loan is secured by a mortgage on the pledged property. The Bank also offers a housing loan secured by an insurance company, with a maximum loan repayment period of 20 years and a maximum loan amount of EUR 70,000. Loans with a repayment period of more than 10 to 20 years are approved to a limited extent, within the available internal limit. If the limit is used, the Bank cannot conclude a loan under these conditions.
The variable interest rate calculation is based on the assumption that the variable interest rate does not change over the selected period. A rise in the variable interest rate, as a result of an increase in EURIBOR, can lead to a significant and substantial increase in the total amount to be repaid and, consequently, in the monthly annuity. The calculation of the variable interest rate shown in the representative example uses EURIBOR of 2.04%, applicable as at 1 July 2025.