Fixed rate housing loan

What does a fixed-rate housing loan provide?

Fixed interest

Your instalment is the same during the entire repayment period

No fees

Without fees for annual loan administration

Housing loan

Loan for the purchase of a residential building

Calculate your monthly installment

Calculate installment, take a look at shortened process for mortgages and schedule a meeting in Intesa Casa center.

Loan calculator

You like to plan your budget?

If you have sufficient creditworthiness or if you are taking out a smaller loan, we recommend a housing loan with a fixed interest rate. The housing loan model with a fixed interest rate implies a fixed interest rate during the entire repayment period for a maximum of 15 years.

You can repay the loan with another creditworthy person in the capacity of a co-borrower without compulsory life insurance.

Without insuring the loan with the National Credit Insurance Corporation (NCIC) and without the compulsory life insurance premium, whereby we offer you the opportunity to take out life insurance if you wish.

You should also know this...

Take a look at most important features of mortgage loan with a fixed rate and schedule a meeting through Intesa Casa portal.

EUR 10,000

Minimum amount of housing loan with fixed rate

13–180 months

Maximum repayment period for this type of loan

20%

Minimum share of the purchase value of the property

Schedule a meeting

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Additional information

Requirements for employment and income

Full-time employment and receipt of earnings through a payment account with Banca Intesa, no later than the moment of loan disbursement

Do I have to transfer my account to Banca Intesa?

Transferring a payment account to Banca Intesa is mandatory. In that case, you can apply for a housing loan immediately based on the authorization for the transfer of salary, provided that at least one salary must be paid prior to loan disbursement.

What does the amount of the loan depend on?

Price of the apartment (if the purpose of the loan is to buy an apartment), value of construction works (if the purpose of the loan is adaptation, reconstruction), remaining debt on an existing housing loan (if the purpose of the loan is refinancing a loan with another bank), whereby the amount of the housing loan cannot be higher;
Estimated market value of the mortgaged property; the loan amount cannot exceed 80% of the market value of this property, and in some cases less;
Creditworthiness of the client, so that monthly credit liabilities of the client (including the instalment for the requested amount of the housing loan) cannot exceed a certain percentage of the monthly net income of the client or the client and solidary debtor (income is reduced by the amount of the consumer basket).

What is EURIBOR & what does its change depend on?

EURIBOR is an interest rate at which European commercial banks mutually lend money and it represents a reference interest rate based on which commercial banks create interest rates. Its value changes daily, and the Bank adjusts it quarterly. A large number of factors affect the change in EURIBOR, and perhaps the most important ones among them are the policy of the European Central Bank and economic development, i.e. the state of the EU zone economy.