CKB housing loan
CKB housing loans in cooperation with Meliora Homes
Welcome to the opportunity to realize your dreams of the perfect home.
CKB in cooperation with Meliora Homes offers you the opportunity to secure a housing loan under favorable conditions for the purchase of real estate in one of the most prestigious residential projects in Cetinje. Discover the perfect balance between urban life and peace in the heart of Montenegro.
Meliora Homes, located in the residential area "Gipos" in Cetinje, represents a perfect combination of modern design, functionality and quality construction. This complex offers apartments that have been carefully designed to meet all the needs of modern tenants. With its sophisticated ambiance and peaceful surroundings, Meliora Homes provides an ideal place for a new beginning.
Each unit within Meliora Homes is built using the highest quality materials, which guarantees the longevity and durability of your new home. In addition to top-quality construction, tenants have access to a private garage, which ensures additional safety and comfort for your vehicle.
Meliora Homes is located in an ideal position, allowing you to enjoy peace and privacy when you want it, but also quick access to all urban amenities that make everyday life more interesting and dynamic. This project offers the ideal harmony between retreating to the comfort of home and connecting with the vibrant city rhythm.
Why Meliora Homes
Meliora Homes is much more than just real estate - it's a place where dreams come true. Whether you are looking for an apartment for yourself and your family or are considering an investment, Meliora Homes is the answer to all your needs. With CKB housing loans, you can easily own a property that provides the perfect balance between traditional and modern life in Cetinje.
Cetinje, as the heart of Montenegro, offers a rich cultural and historical context, but also an authentic ambience that can rarely be found. This is a city where it is easy to find inspiration and where every corner tells its own unique story. Living in Cetinje means living in a place that combines the past with the present, urbanity with natural beauty, creating a perfect destination for life.
By choosing Meliora Homes, you are choosing quality, comfort and a unique lifestyle in one of the most authentic areas of Montenegro. With our favorable home loan terms, the step towards your new home has never been easier. Let us support you on your way to making your dreams come true.
Target audicence
CKB housing loan is intended for residents and non-residents with employment and regular residence in Montenegro, employees for a fixed and indefinite period, seafarers, pensioners, entrepreneurs (must have existed for a minimum of one year), clients with other types of regular income that they can prove.
Advantages
- loans are granted in amounts from 10.000 to 300.000 euros
- repayment term from 12 to 360 months
- for apartments under construction
Representative example
*Costs of real estate appraisal and real estate insurance policy are calculated on a specific example of real estate, which is pledged as security, with a size of 87m². A representative example is shown on the calculation example from April 1, 2025. year.
**Total costs represent the sum of interest for the entire period, the cost of the loan approval fee (0.00 euros), the cost of the real estate appraisal (80 euros), the cost of the real estate insurance policy (197.72 euros), the cost of certifying the pledge statement, the cost of registering the mortgage (20 euros) and the fee for issuing the real estate certificate (5 euros).
Loan calculator
Annual nominal interest rate NIR
Annual effective interest rate
Loan approval fee
Fee amount
Kreditni kalkulator je isključivo informativnog karaktera i u druge svrhe se ne može koristiti. U obračun efektivne kamatne stope u ovom kreditnom kalkulatoru su uključeni troškovi iznos provizije za odobravanje kredita koja iznosi 0,00 eura. Kreditni kalkulator ne uključuje troškove koji se odnose na zaključenje ugovora o dodatnim uslugama, a koji su prikazani u reprezentativnim primjerima (npr. troškovi polise osiguranja, troškovi zasnivanja instrumenata obezbjeđenja i sl.).
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General requirements
- Client's age must be minimum 21 at the time of application
- Maximum 70 years of age on the last instalment due date
- The loan is approved at a fixed or variable interest rate
Loan security
- Administrative salary/pension withholding order for the loan beneficiary
- Bill of exchange and authorization for the bill of exchange of the loan beneficiary
- First-class mortgage on real estate registered in favour of the Bank
- Property insurance policy in favour of the Bank
- Guarantor/co-debtor
- Life insurance policy (optional)
Documents required
- Loan application form
- Signed copy of ID or copy of residence permit, for a non-resident
- Administrative salary/pension withholding order for the loan beneficiary
- Bill of exchange signed by the loan beneficiary
- Employment certificate (not older than 30 days), or pension cheque
- Employment contract (optional)
- Consent for access to the Credit Bureau Register (RKB) and copy of payment order for RKB
- Preliminary contract with the seller/investor/contractor
- Title deed (not older than 30 days), if required
- Authorization for property valuation
- Copy of seaman's book (matricula)
Additional documents to be provided by the entrepreneur
- Confirmation of settled tax liabilities issued by Tax Administration
- Tax return for the previous year
Condition list for retail loans
The Bank reserves the right to request additional security or documents, if considered necessary.
After collecting the necessary documents and signing the loan application, please visit one of our branches, where you can apply for a loan. If a guarantor is required as additional security, then the guarantor must also come to the branch at the time of submitting the application, and signing the bill of exchange and other documents.