LIFE INSURANCE FOR BORROWERS OF HOUSING LOANS

A housing loan is a long-term commitment, but life can surprise you with unpleasant events that can affect your ability to repay the loan. Life insurance for borrowers ensures the repayment of that loan regardless of what happens in your life.

Additional security

For the borrower and their heirs

by covering the payment of the remaining loan in the event of permanent total incapacity for work or death.

Insurance covers

Several customised packages

that differ in the status of the insured person and the number of included insurance covers.

Simple taking out

Up to the insurance sum of 250,000 EUR

without a medical questionnaire and a medical examination, the premium does not depend on the borrower's gender and age.

LIFE INSURANCE FOR BORROWERS OF HOUSING LOANS FEATURES

Life can also surprise you with an unpleasant event that can affect your ability to repay a loan. Life insurance for borrowers is a guarantee that the loan will be repaid regardless of what happens in your life.

THREE LIFE INSURANCE PACKAGES

The packages differ in the number of insurance coverages activated:

 

Basic package

Death insurance

Unemployment insurance

 

 

Extended package

Death insurance

Supplementary insurance in the event of total permanent incapacity for work due to an accident

Insurance in the event of temporary total incapacity for work due to an accident or illness

Unemployment insurance

 

Pensioner package*

Death insurance

Insurance in the event of total permanent incapacity for work due to an accident

 

*If you are receiving a pension or are older than 65 when you take out the insurance, only the "Retirement package" is available to you.

INDICATIVE CALCULATION WITH MONTHLY INSURANCE PREMIUM

The insurance premium is payable in monthly, quarterly, semi-annual or annual installments via direct debit of a personal account held with SKB. 

   

Basic package

Extended package

 

Loan duration

Monthly

Quarterly

Semi-annual

Annual 

Monthly

Quarterly

Semi-annual

Annual 

30.000 EUR

120 months

17.05

51.06

102.13

204.27

23.54

70.66

141.35

282.70

50.000 EUR

180 months

20.53

61.61

123.23

246.47

28.37

85.26

170.55

341.10

75.000 EUR

240 months

24.70

74.08

148.14

296.29

34.18

102.52

205.02

410,05

100.000 EUR

300 months

28.69

86.16

172.30

344.61 39.79 119.24 238.46 476.93

Minimalna višina mesečne zavarovalne premije znaša 10 EUR.
The minimum monthly insurance premium is EUR 10.

Make an appointment with an individual relationship officer

Your individual relationship officer will wait for you in the outlet on the agreed upon date and time. 
With his help, you will be able to arrange everything quickly and easily.

Make an appointment  or  Tell us your wishes

Frequently asked questions

How do I choose the right personal insurance for me?

Personal safety should not depend on unforeseen events and luck. When deciding on the right personal insurance for you, you have to follow all the necessary steps carefully, as this is the only way to

ensure you are really protected.
Creating your own personal financial security strategy can be compared to building a house. You need to start at the foundation, but you must not skip any of the intermediate stages if you want your house to be stable and firm.

1. PROTECTION

First and foremost, you need to protect your financial security in order to protect yourself and your loved ones from any loss of income due to unforeseen events. This is particularly important if you are a borrower, because by purchasing the right life insurance, you can protect your loved ones, and make sure that you can actually repay your loan yourself, no matter what happens in your life. 

Choosing the right life, accident and health insurance products can give you a high level of security:

2. SAVING

By upgrading your basic protection, you can save additional funds that you will need in the future.

Classic life insurance offers the option of a basic upgrade that you can add to your basic protection. This type of insurance gives you the security of a guaranteed payout in the form of the sum insured. Therefore, it doesn’t represent an investment risk, which means you can use it as a long-term form of savings, which in addition to security provides you with a guaranteed payout after the end of the savings period and a tax advantages.

Investment

What is the impact of saving in funds on social transfers?

We often hear excuses from young parents that they don’t save because their savings would push them into a higher income class and they would receive a lower child allowance per month as a result. The reason for the decision against saving is generally unfounded because such savings are taken into account only in the form of fictitious interest.

Investment

Where can I get help and additional information?

Information on the possibilities of saving in funds can be obtained at the SKB Bank outlet or by calling the Call Centre at 01 471 55 55, where you will arrange an appointment in the selected outlet.

Investment

How do I start saving in AMUNDI or MOOREA funds?

Would you like to start saving in funds but don't know how?

Investment

Why choose saving under the Moorea Fund savings plan?

The Moorea Fund savings plan is concluded for a period of 5 years with automatic renewal for the same period.

Investments under the Moorea Fund savings plan are available at no entry or exit loads.

It's good to know
whom you trust your finances

SKB bank

  • Excells in safety, stability and reliability in Slovene banking space.
  • Part of OTP Group, one of the biggest and most stable financial services providers in Central and Eastern Europe.
  • Trusted by more than 200.000 clients.

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