UCB Housing Loans
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About the loan
UCB housing loan is intended for residents and non-residents, permanent employees, and clients with other forms of regular income that they can prove. The loan is intended for the purchase of completed housing units (flats or houses), flats under construction, reconstruction or expansion of existing housing units, construction of a house and refinancing of existing active housing loans.
Universal Capital Bank offers transparent conditions, competitive interest rates and flexible repayment options that are tailored to your financial capabilities.
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 Housing Loans |
|---|---|
Nominal Interest Rate | 5.00% – 6.50% |
Maturity | Up to 84 months |
Repayment Method | According to sources of repayment |
One-Time Fee | No loan processing fee |
Collateral
- First-tier mortgage in favour of the Bank, with A minimum LTV of 1:1.25
- Administrative ban on the salary/pension of the client/guarantor
- Bill of exchange and power of exchange signed by the Client
- Promissory note and promissory note authorisation signed by the Client
- Real estate insurance policy
- Life insurance policy (optional)
- Guarantee (optional)
- Co-debt (optional)
The Bank may also request additional collateral.
Note
Required Documentation:
- Loan application with supporting documentation
- Title deed and property valuation report
- Signed copy of ID card/passport
- Preliminary/Final real estate purchase and sale agreement
- Seller's proforma invoice/invoice
Representative Example:
Total Loan Amount | 150,000 EUR |
|---|---|
Number of Installments | 84 |
Monthly Obligation Amount (Instalment) | 2,112.24 EUR |
Loan Processing Fee | 0.00 EUR |
Fee for providing data from the Credit Registry of the Central Bank of Montenegro | 3.00 EUR |
Cost of Purchasing Two Promissory Notes | 4.00 EUR |
Real Estate Insurance Policy | 197.72 EUR |
Cost of Mortgage Statement Notarisation | 300.00 EUR |
Cost of Real Estate Appraisal | 110.00 EUR |
Mortgage Registration | 20.00 EUR |
Fee for Providing a Title Deed | 8.00 EUR |
Nominal Annual Interest Rate | 5.00 % |
Effective Interest Rate | 5.14 % |
Total Interest | 27,428.16 EUR |
Total Costs* | 28,070.88 EUR |
Total amount the client needs to pay | 178,070.88 EUR |
The total costs represent the sum of interest for the entire period (EUR 27,428.16), excluding compensation costs loan approval, fees for two bills of exchange (4 EUR), inquiries to the Credit Bureau of the CBCG (3 EUR), costs real estate appraisal (110 EUR), cost of real estate insurance policy (197.72 EUR), cost of certification pledge statements EUR 300, the cost of registering a mortgage (EUR 20) and the fee for issuing a real estate certificate (8EUR). 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 178,070.88.
A representative example is shown on the example of the calculation from 11/30/2025. year.