Nova KBM

Housing loans | NKBM

For everyone who is building, buying or renovating their home.

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HOUSING LOANS

We present you with a winning choice for a home tailored to your needs, a home loan that adapts to your wishes.

I am interested
  

 

Nova KBM
The Offer


No approval fees.
A dedicated housing loan.
A cash housing loan.
Even if you are not our customer.
 
Nova KBM
Interest rate

Fixed interest rate.
Variable interest rate.




 
 
Nova KBM
Extra


A loan tailored to your wishes.

Click "I want an offer" and send an inquiry.


Take advantage of the comprehensive assistance of Nova KBM's experienced experts.
 

An award-winning fixed rate housing loan

 
Moje Finance called our fixed rate housing loan a winner. In the selection, which took place between August 16th and 21st, 2022, an expert jury compared the conditions for a housing loan worth 100,000 EUR for 20 years among 14 banks. Nova KBM won 1st place in the category "Fixed rate housing loan" and received a certificate for 2022.
 
 

Informative calculation

Izračun stanovanjskega kredita
NAMENSKI
 
Izračun stanovanjskega kredita
IZPLAČILO V GOTOVINI
 

Which loan to choose?

 
Our experts will help you choose the most favorable loan based on your capacity and the price of the property or work on it.
 

Dedicated housing loan with a fixed
or variable interest rate

 

Nova KBM
Purpose
Purchase, renovation, or construction of the real estate, repayment of existing housing loans at our or another bank.

Nova KBM
Loan amount
Up to 350.000 EUR.
Nova KBM
Interest rate


Fixed interest rate with a maximum maturity of 20 years.
Variable interest rate with a maximum maturity of 30 years.
 
Nova KBM
Loan insurance

With a mortgage on freehold real estate in the Republic of Slovenia or with the payment of an insurance premium. The possibility of applying for a loan with a growing mortgage.
Nova KBM
Payment
 
During construction and adaptation up to 20% of the approved credit is paid in cash.
Nova KBM
Benefits
 
Benefits for the holders of the Komplet, Premium, and Bank at work bundles.
Nova KBM
Do not overlook

A co-borrower can participate in the repayment of a loan secured by a mortgage without additional costs.




 
 

Housing loan with payment in cash

 

Nova KBM
Purpose
 
Purchase, renovation, or construction of the real estate, repayment of existing loans at our or another bank.*
Nova KBM
Loan amount  
Up to 150,000 EUR.

Nova KBM
Interest rate

Fixed or variable interest with a maturity of up to 20 years.
 

Nova KBM
Loan insurance

With a mortgage on freehold real estate in the Republic of Slovenia.

Nova KBM
Payment
 

We pay 100% of the approved credit in cash.* No evidence is required.
Nova KBM
Benefits
 
Benefits for the holders of the Komplet, Premium, and Bank at work bundles.
Nova KBM
Do not overlook

A co-borrower can participate in the repayment of a loan secured by a mortgage without additional costs.

* Upon fulfillment of the bank's additional conditions for loan approval.
 

Nova KBM

When the loan is approved intercalary interest is calculated. The amount depends on the day of the loan rental in the month and is deducted when the credit is transferred.

In case of an increase in the reference interest rate, the total amount of the loan that the borrower must pay may increase significantly.

The bank does not offer consumer loans in foreign currency and consumer loans for real estate in foreign currency, as defined by the Consumer Loan Act (ZPotK-2).

 

A loan in foreign currency is a loan that is calculated in the currency that:

  • is not the currency in which the consumer receives income at the time of credit assessment or has funds from which the loan will be repaid, or
  • is not the currency of the Member State in which the consumer has his permanent residence at the time of concluding the loan agreement.

 

 

Are you interested in a housing loan? The conclusion is simple.

 

 
 
nova kbm

With just one call

 
Click on I am interested, submit your information and we will contact you as soon as possible.


Contact us and we will help you find the best solution for you.
nova kbm 080 17 70
 
nova kbm

In the branch


We are the most accessible bank with the widest network that enables you to conclude the housing loan and meet your banking demands across the whole country.
 

Life insurance for the borrowers of housing loans


When you decide to take out a loan, make sure that in case of unpleasant events, paying off the loan does not burden your loved ones.


LEARN MORE

 
 
GENERAL INFORMATION
WHAT DO YOU NEED?
  • The condition for loan approval is a regular monthly inflow to the personal account or a receipt of inflows from the borrower of another bank.
  • Pensioners must submit the last original ZPIZ notice.
 

Our existing customers


New customers


INTEREST RATES
Fixed interest rate: The interest rate does not change during the term of the loan, which means that the customer pays the same amount every month and thus knows with certainty the total interest that he will pay during the term of the loan.

Variable interest rate: The interest rate is variable and is equal to the sum of the reference interest rate 6M EURIBOR and the fixed interest margin.

In the event that the EURIBOR would be less than 0.00%, for the period when the EURIBOR is lower than 0.00%, the bank applies and calculates the contractual interest at the reference interest rate EURIBOR 0.00%, increased by the surcharge.

How EURIBOR affects the monthly annuity during the variable interest rate period depends on the value of EURIBOR and the repayment phase of the loan.

STANOVANJSKI KREDIT
 
 
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