If you are planning to buy a residential property - a house or apartment or to secure additional funds, and the information you have at your disposal is not sufficient or completely clear, call us and schedule a meeting, and we will provide you with all the necessary information and direct you to the best source of financing for your needs. We can help you choose a financial institution - a bank that offers the most favorable conditions, or advise you on how to properly choose and use a banking service.
Prilikom donošenja odluke o vrsti i načinu zaduživanja zainteresovana lica žele da se dobiju savet od strane stručnog lica koje ili radi na određenim pozicijama u bankama, ili drugim finansijskim isntitucijama, međutim sve češće zainteresovani građani nisu u mogućnosti da sa takvim licem stupe u kontakt u samoj banci, odnosno vrlo često prilikom pozivanja banke telefonskim putem potencijani klijent bude preusmeren na Call centar, koji s obzirom da svoj delokrug rada nije u mogućnosti da pruži detaljnije i opširnije informacije o traženoj bankarskoj usluzi, odnosno nisu u mogućnosti da pruže odgovore na specifična pitanja, već se isključivo baziraju na uopštene informacije. Ukoliko želi više informacija, potencijalnom klijentu, odnosno pozivocu budu date instrukcije za pristup sajtu, na kome sam mora da istražuje o mogućonstima zaduženja. U navedenoj situaciji fizička lica mogu biti suočena sa nizom stručnih termina i iskazanih pokazatelja koji im ne olakšavaju donošenje odluke, već samo dovodi klijenta do novih nerazjašnjenih pitanja.
Our goal is to provide individuals with advisory services that they are able to obtain from commercial banks or other financial institutions, whose services they plan to use, with the difference that we are able to take the time and provide clarifications on all our proposals and suggestions, observing the operations of all banks and the services they offer, and on the other hand, we provide advice based on the needs of the client.
Svrha finansijskog savetovanja iz oblasti bankarstva je pomoć građanima da izaberu adekvatnu bankarsku uslugu i poslovnu banku kod koje mogu da se zaduže po najpovoljnijim uslovima, odnosno pod uslovima koji u najvećoj meri odgovaraju planiranim aktivnostima. Veoma je važno pravilno izabrati vrstu bankarskog proizvoda, a koji je u skladu sa Vašim potrebma i ciljevima.
The decision to borrow is further complicated by the different loan offers and terms in different commercial banks, which largely relate to interest rates, currencies in which citizens can borrow, and the tying of credit congestion to EURIBOR or BELIBOR.
Vrste kredita koje plasiraju domaće poslovne banke, a dostupne su fizičkim licima su sledeće:
Sve vrste kredita sa svojim specifičnostima podložni su promenama u smislu dužine zaduženja – broja godina na koje fizičko lice može da se zaduži, u zavisnosti od trenutne situacije na tržištu.
Financial advice in the field of banking for individuals, or rather the importance of such advice in housing loans, is expressed in terms of the length of the loan (the number of years for which an individual borrows), given that with the advice of professionals, you can overcome potential risks to a certain extent. Short-term - crash loans are specific in that they provide an average smaller amount of funds than the previously mentioned housing loans, per client, with interest rates that are most often higher than the interest rates at which you can borrow when purchasing housing from a bank loan.
The most common questions we are asked by our clients - individuals - are the following:
How many years can I borrow for a housing loan?
How much will the loan ultimately cost me?
Which interest rate is better for me to borrow at, fixed or variable?
Is it better to borrow in dinars or euros?
Can a housing loan be used to finance the purchase of an apartment in a building under construction?
Can a housing loan finance the construction of a prefabricated house?
How can I finance obtaining the permits I need to build a residential space?
How much can I borrow from my income for a housing loan?
How much can I borrow from my earnings for a cash loan?
What is EURIBOR? When does it occur and how does it affect my borrowing?
What is BELIBOR? When does it occur and how does it affect my borrowing?
How many years is it possible to take out a cash loan?
Is it better to borrow from the bank where I have a current account or from another commercial bank?
When is it profitable to pay off a loan early?
We are at your disposal for these and all other questions! Call us at the contact number listed on our website, or contact us by email.
Koristimo neophodne kolačiće da bi sajt radio. Uz vašu dozvolu koristićemo i opcione kolačiće za funkcionalnost, analitiku i marketing. Izbor možete promeniti u svakom trenutku.
Potrebni su za osnovne funkcije, bezbednost i čuvanje vašeg izbora. Ne mogu se isključiti.
Pomažu nam da razumemo korišćenje sajta i unapredimo njegov rad.
