Purpose
Purchase or renovation
Mortgage insurance.
Transfer of funds
Specific-purpose loan
Loan transfer based on a pro forma invoice or contract.
Benefits
More favourable interest rate
For purchase up to 360 months (up to 300 months with fixed interest rate), for renovation up to 180 months (with fixed and variable interest rate).
LOAN FEATURES
Would you like to improve the energy efficiency of your property or are you planning to buy a low-energy property? We will help you with a more favourable housing loan offer. For your future and ours.
LOAN REPAYMENT
By direct debit through a personal SKB account on the 8th, 18th, 28th or last day of the month, if you receive income to SKB.
HOUSING LOAN INSURANCE
Mandatory insurance with property in Slovenia. Possibility of additional insurance:
- with a guarantor having good credit rating;
- life insurance.
LOAN PURPOSE
- Renovation and modernization of an existing property (apartment, house, vacation home) with the installation of a heat pump, renovation of windows and facade or purchase of IR panels.
- Purchase of a low-energy property whose primary energy demand (PED) is at least 10 % lower than the threshold set for the requirements of a nearly zero-energy buildings.
BENEFITS
- More favourable financing conditions compared to the regular offer.
- Fixed and variable interest rate.
- The age of the borrower at the time of repayment of the loan is up to 80 years.
POSSIBILITIES OF PROPERTY OR BORROWER INSURANCE
Take care of additional insurance in case of unexpected events:
- borrower’s life insurance,
- real estate insurance.
LOAN COSTS
- Monthly loan management cost.
- Real estate valuation.
CONDITIONS FOR OBTAINING A RENOVATION LOAN
- Submission of an energy certificate prior to the loan approval and after the adaptation is completed.
- Improved energy efficiency.
CONDITIONS FOR OBTAINING LOAN FOR PURCHASE
- Energy card showing a 10 % lower value of primary energy consumption than the minimum allowed for a nearly zero-energy house.
Comparison of loans
Add the loans which you would like to compare. The comparison enables a quick overview of key characteristics.
Select loan
HOUSING LOAN
CONSUMER LOAN
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.
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.
What do our clients say about us?
SKB bank keeps pace with the trends. It provides its users with online and mobile banking which makes our business easier and also simplifies dealing with our personal account, while paying invoices is quick and easy. Employees in bank branches are nice, helpful and willing to solve every issue.
I have been a satisfied client since 2003. What I like most are personal approach and responsiveness – my individual relationship officer instantly finds a favourable solution for each of my financial challenges. I would also like to point out the mobile bank; these days I could not imagine my everyday life without it.
Flik immediate free transfers
Pay with Flik - anytime, anywhere:
- Simple- all you need is a mobile phone number
or an e-mail of the recipient. - Quick- money is in the account in a few seconds.
Even outside the bank's working hours. - Secure- the same level of security as for payments through
the mobile bank or internet bank.
