The processing of applications for new loans is charged by fewer and fewer banks, whether it is a cash, housing or some other loan, although there are those who still charge it. It is about the cost that was paid by the debtors with already approved loans, and that they are largely suing the banks for the return of those funds, and the courts are ruling in their favor.
In addition, fewer and fewer banks, when granting housing loans, insist that it must be insured with the National Housing Loan Insurance Corporation (NKOSK), which is also the subject of a dispute between banks and debtors who are suing them for that reason. Whoever takes a loan without this insurance must count on a slightly higher interest rate, because the point of its introduction was for clients to receive a lower interest rate.
According to the data of the National Bank, 24 banks operate in our country, and soon there will be two smaller ones, because NLB and Komercijalna and Evrobanka and Direktna will merge. It is interesting to see how the largest banks on the market, ie those with the highest market share, treat the mentioned fees. Because, in the first ten banks, more than half of the citizens and the economy have accounts and loans.
Intesa, which is the largest bank, still charges the cost of processing the loan application for a cash loan, five euros fixed. In the case of a housing loan, there is no cost of processing the request for the current promotional offer, and in the regular offer, that expense amounts to 0.5 to one percent of the approved loan amount. Their housing loans are unsecured by NMIC.
Unicredit is the second largest bank and, truth be told, it works more with the economy than with the population. They do not charge the cost of processing for the cash loan, and in the case of a housing loan, they charge an administrative cost of several hundred euros, which depends on the amount of the loan. Whoever takes a housing loan from them must also pay the insurance cost with NMIC of 1.75 percent.
Komercijalna banka does not charge the cost of loan processing for either cash or housing, and the latter can be taken with or without insurance with NMIC. Whoever takes out with the insurance must pay a premium of 1.5 to 2.5 percent of the loan amount.
According to the data from the site, the Hungarian OTP bank, into which Societe Generale and Vojvodjanska drowned, does not charge the cost of processing for the cash loan, nor for the housing in the promotional offer. They do not seek insurance from NMIC.
Raiffeisen Bank, as well as Erste, do not charge processing costs for both types of loans, and they do not ask for housing loan insurance. Eurobank also does not charge loan processing for both types of loans, and housing can with and without an insurance premium.
What Adiko, AIK and Direktna banka have in common is that they do not charge the cost of processing for a cash loan, and they do not have housing loans on offer.
According to the data from the website, the Bank Postanska Stedionica approves cash loans free of charge during the promotional period. The insurance premium with NMIC for housing loans is mandatory and amounts to 1.5 percent. The annual administration of the loan is 50 euros.
Three banks do not have the classic business, and they are Chinese, Arab Mirabank and Serbian, which works only with the purpose-built industry.
Nova Ljubljanska banka (NLB), the buyer of Komercijalna, does not charge the processing fee for the cash loan, but for a fully dinar housing loan, the fee for processing the loan is 1.55 percent. In the case of the housing dinar indexed in euros, there is no such cost. The client can choose a housing loan with or without an insurance premium.
Those who have accounts and loans in small banks seem to have the biggest costs as well. Thus, in Sber Bank, the fee for processing a cash loan is 35 euros one-time, and in the case of a housing loan, which can be obtained with an insurance premium from NKOSK, but also without it, the fee for processing the request is 100 euros one-time.
In Alta banka, which bought a package of state shares of Jubmes banka, for the housing loan, the fee for processing the request is 0.5 to 0.8 percent of the credited amount. It is interesting that their participation in the housing loan is at least 25 percent. The fee for a dinar cash loan is two percent. In API bank, formerly Moskovska, a fee of 0.75 percent is paid for a housing loan, and one percent for a cash loan. Those who do not transfer their earnings to the bank pay 1.5 percent.
In Credit Agricole Bank, a cash loan was obtained without the cost of processing, but housing carries an expense of one percent and there is no insurance. Expo Bank does not charge processing for either a cash or a housing loan, but requires from the client insurance with NMIC from 1.5 to 3.5 percent, depending on the ratio of the market value of the real estate and the amount of the loan.
Turkey’s Halk Bank does not burden the cash loan with additional expenses, but in the case of a housing loan, a 0.3 percent loan application processing fee is charged. A housing loan can be obtained with insurance from the NMIC, which amounts to 1.75 percent, but also without it, Politika reports.
