Single family villa 452 m², Centar, Luka, Finida, Umag

Luxury villa with rooftop swimming pool within 5***** star resort in Umag area!Construction is finalized!There is a mortgage/finance possibility!Price is set with furniture, equipment, parking and VAT included.If you buy as a company - it will be VAT-free.Fantastic location just a few km from Slovenian border overlooking Piran bay and Portoroz!Construction works are finalized by June 2022. Resort is now in function!Villas have total surface of  and can accomodate up to 8 people offering 5 bedrooms, 5 bathrooms, garage for 2 cars, rooftop private infinity pool.Villa has multiple levels (5) and elevator.Level 1 of 102 sq.m. offers tavern/konoba for guests receptions, bathroom, storage, wine-cellar, playroom.Level 2 of 86 sq.m. offers garage for 2 cars, guest bedroom and bathroom, hall, technical spaces.Level 3 of cca. 102 sq.m. offers three bedrooms with bathrooms en-suite, terrace, hall, storage space.Level 4 of 102 sq.m. offers salon with dining area and kitchen space, bedroom with bathroom, guest wc, terrace.Level 5 of 47 sq.m. offers outdoor dining area, wc, sunbathing area and swimming pool of 29 sq.m..5***** star infrastructure of the resort complex will include:high-class concierge service 24/7wellness and spa centrerooftop infinity poolfitness studiorooftop gourmet restaurant with amazing panoramic sea views, views over Slovenian scenerygarden outdoor swimming poolsgarden restaurants and cafes (Italian cuisine restaurant, Steakhouse, etc.)pools, playgrounds and other amenities for childrenbeach with sundeck lounge cca. 200 meters away18-hole golf-courseNOTICE:maintenance price is 4 euros per square meter + VAT (monthly) the reserve price is 0.50 euros per square meter (per month) access to the swimming pools is free, and towels, sunbeds, umbrellas are charged entrance to the gym is freeentrance to the wellness is free until the end of the year for the rental pool, a meeting should be announced separately to explain the conditions for the next season.each property has it's own measurement device for water, electricity, heating which will be billed to the owner.Special hypothec offer for financing purchase of apartments/villasFor individual private persons/buyersHypothec can be issued to EU resident who has incomes in EU currency.Term of credit: max 30 yearsPayment: by monthly installments (credit and interests)Own capital: min 30% of property valueCollateral: pledge of real estate, loan up to 70% of collateral valueAccount opening in Slovenia with regular inflow is obligatoryTiming: loan is issued after own capital is paid, after account with appointed bank is opened, after usage permit for purchased property is received.Interest rates can be fixed or variable:fixed rates1-10 years 1,7%11-20 years 2,1%variable rates1-10 years 6m Euribor + 1,35%11-20 years 6m Euribor + 1,50%21-30 years -6m Euribor + 1,60%Cost and fees:approval fee: 980 eurnotary costsappraisal freeDocuments required:passport copycertificate of employmentstatement of income for 2019, 2020statement of indebtednessbank statement of accountadditional documents can be requiredFor corporate buyersMortgage finance can be provided to Croatian or EU company.Term of credit: max 12 yearsPayment: by quarterly equal credit installmentsInterest rate: 6mEuribor +3%, quarterly interest paymentOwn capital: min 30% of property value; 50% in case of SPV founded for the purpose of purchasing real estate and renting out the property is the only incomeAppropriate creditworthiness required and cash flow.Collateral: pledge of real estate, loan up to 70% of collateral value or 50% in case of SPVAccount opening in Slovenia with regular inflow is obligatory (or SPV account).Timing: loan is issued after own capital is paid, after account with appointed bank is opened, after usage permit for purchased property is received.Cost and fees:approval fee: 0,5%management fee: 0,1% once a year on outstanding loan balancenotary costsappraisal freePlease, do not hesitate to make an inquiry. Ref: RE-AB-V-99 Overall additional expenses borne by the Buyer of real estate in Croatia are around 7% of property cost in total, which includes: property transfer tax (3% of property value), agency/brokerage commission (3%+VAT on commission), advocate fee (cca 1%), notary fee, court registration fee and official certified translation expenses. Agency/brokerage agreement is signed prior to visiting properties. Property advantages: Garage, Swimming pool, Storage, Gym, Spa, Lift. Agency: Bela Vodica 30, 51317, Crni Lug,  HrvatskaMBS: 040202783OIB: 54177928586License: 126/2016 HGK