The assessment of the energy-efficiency is performed online via energy meter tool of "Warm Housing" loans.
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** A document containing a public service number, specified by the legislation, or original copy of the reference, issued by a state registry body on receiving or not receiving a public service number.
Example of calculation of loan interest amount
*repayment amount may differ, depending on the number of days of the given month.
ATTENTION: LOAN INTEREST AMOUNTS ARE CALCULATED BASED ON THE NOMINAL INTEREST RATE, AND ACTUAL ANNUAL INTEREST RATE SHOWS HOW MUCH THE LOAN WILL COST FOR YOU AFTER DULY REPAYMENT OF INTEREST AMOUNTS AND ALL FEES REQUIRED FOR THE PROVISION AND SEERVICE OF LOAN. YOU CAN FIND THE CALCULATION OF ATUAL INTEREST RATE HERE.
Failure by the borrower to perform their liabilities duly will result in a fine of 0.13% (Applied Fines) for each overdue day.
Loan repayments are made in the following order (in case of repayment of overdue liabilities):
The project is implemented by the National Mortgage Company through 13.8 million USD credit line from the French Development Agency (Agence Francaise de Development), as well as grant of 0.7 million Euro, received from Neighbourhood Investment Facility.
The loan may be repaid (fully or partially) earlier than the contractual term, in which case the customer shall pay the interest amount, calculated for the actual loan term, as well as a lump sum penalty in the following sizes:
The period of every 12 months, following the date of conclusion of the agreement, is considered to be a contractual year.
ATTENTION: APPLYING FOR A LOAN, THE CREDITOR WILL PROVIDE YOU, THE GUARANTOR(S) (if available) WITH THE INDIVIDUAL SHEET OF SIGNIFICANT TERMS OF MORTGAGE LOANS, WHERE THE INIVIDUAL TERMS OF THE LOAN, TO BE PROVIDED TO TOU, WILL BE SPECIFIED.
Information, provided to the Credit Registry
INFORMATION ABOUT THE BORROWER WILL BE REGISTERED IN THE CREDIT REGISTRY, IF THE INTEREST AMOUNTS AND LOAN AMOUNT IS NOT REPAYED DULY.
HAVING A NEGATIVE CREDIT HISTORY MAY BE AN OBSTACLE FOR YOU IN RECEIVING A LOAN IN THE FUTURE.
Please be informed that:
GUARANTOR HAS THE RIGHT TO:
ATTENTION: "YOUR FINANCIAL DIRECTORY" IS AN ELECTRONIC SYSTEM, SEARCHING FOR SERVICES, PROVIDED TO INDIVIDUALS, COMPARING THEM AND MAKING THE CHOICE OF THE MOST EFFICIENT OPTION EASIER FOR YOU.