Property Loans

To who is property loan assigned?

To all physical persons as well as legal entities wishing to simply and comfortably purchase, build or reconstruct property.

Loans utility

You can obtain loan for:

• Purchasing, building or reconstruction of business and living facilities, and cottages.
• Paying off inherited parts, and other, less convenient property loans.
• Getting approval and communal land utilities.
• Other activities, that increase the value of the property.

Loan ensuring

• Mortgage: to ensure your loan (you or someone else), to block the ownership over the property in Montenegrin territory: house, apartment, weekend cottage, building land, or agricultural unit. The amount of loan can be to 70% of blocked property.
• Other forms of loan ensuring: to ensure the loan with the acceptor, you need two, equally solvent warrantors that are solvent, or four semi-solvent. Pledging securities requires papers from Clearing-depositary service.
• Life insurance of recipient in case of death: the height of insured prize depends on the age and sex of loan recipient, and on amount and time of the amount and the delivery time. The height of the prize is revised annually, taking into consideration the debt and the age of the loan recipient.

Main advantages of the loan:

• Up to 100 % of investment is covered.
• Time of the repayment can be 25 years.
• Competition constant and variable credit rate.
• Possibility of repayment in cash (depending on loan insurance).

You are worried about the ability of financing the purchase or building your ideal home or business facility? You need more of the information about types of loans, deadlines, conditions, possibilities of combination of different sources of financing, etc?

You can ask our professional experts , that will seek for the real answers and advices about different offer of loan possibilities for all kinds of buying, selling and building properties, according to your needs and requirements , along with our international partners.

You can ask our professional experts about:

• Financing
• Property trade legislative
• Planning, projecting and building

Special attention is dedicated to law advices when buying or selling properties related to:

• Buying a property
• Creating offers to sell property
• Cession of propriety and transfer of proprietary rights
• Risks in selling and buying propriety
• Seller responsibility for the faults of the propriety
• Propriety building
• Taxes and fees when selling and buying propriety