UCB Cash Loans with Mortgage
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About the loan
Universal Capital Bank offers an attractive cash loan option with mortgage, intended for residents and non-residents up to 65 years of age. This product is ideal for anyone looking for favourable financing conditions with flexibility and security. Universal Capital Bank is here to help you achieve your goals with maximum support and transparency.
Don't wait! Take advantage of this opportunity and achieve financial security today. Contact us or visit the nearest branch to submit an application.
Option | UCB Cash Loans with Mortgage |
|---|---|
Amount | From 50,000.00 to 500,000.00 EUR |
Nominal Interest Rate | 5.00% – 9.00% |
Maturity | Up to 60 months |
Repayment Method | According to sources of repayment |
One-time Fee | No loan processing fee |
Collateral
- First-tier mortgage
- Promissory note with promissory note authorisations
- Attachment of earnings
- Real Estate/Life Insurance Policy
- The bank may also request additional collateral
Note
Required Documentation:
- Loan application with supporting documentation
- Signed copy of ID card/passport
- Real estate certificate and property valuation report
Representative Example:
Total Loan Amount | 500,000.00 EUR |
|---|---|
Number of Installments | 60 |
Monthly Obligation Amount (Installment) | 9,517.87 EUR |
Loan Processing Fee | 0.00 EUR |
Fee for Providing Data from the Credit Registry of the Central Bank of Montenegro | 3.00 EUR |
Account maintenance cost for one month | 1.00 EUR |
Cost of Purchasing Two Promissory Notes | 4.00 EUR |
Real Estate Insurance Policy | 117.20 EUR |
Cost of Real Estate Appraisal | 150.00 EUR |
Nominal Annual Interest Rate | 5.00% |
Effective Interest Rate | 5.52% |
Intercalary Interest | 2,205.15 EUR |
Total Interest | 73,277.35 EUR |
Total Costs* | 73,552.55 EUR |
Total Amount Client is Required to Pay | 573,552.55 EUR |
The total costs represent the sum of interest for the entire period (EUR 73,277.35), excluding compensation costs loan approval, fees for two promissory notes (4 EUR), inquiries to the CBCG Credit Bureau (3 EUR), costs real estate appraisal (150 EUR), cost of real estate insurance policy (117.20 EUR), account maintenance cost for one month (EUR 1). The costs of real estate appraisal and real estate insurance policy are calculated on a concrete basis example of immovable property, which is pledged as security, size 87m2.
The total amount that the client needs to pay is EUR 573,552.55.
A representative example is shown on the example of the calculation from 01.01.2026.