The following Bank’s customers enrolled in the Agricultural Holding Register with the active status are entitled to the loan:
RSD, without value clause, depending on the creditworthiness and capacity of the customer and the offered collaterals according to the following:
From 1 (one) to 3 (three) years for the loans intended for:
From 3 (three) to 5 (five) years for the loаns intended for:
Loans are repaid in equal monthly, quarterly, semi-annual or annual annuities (for loans whose term of repayment is up to three years), i.e. in six monthly annuities (for loans whose term of repayment is from three to five years) depending on the Client’s request.
*privileged categories: an individual – holder of a commercial family agricultural holding not older than 40 years in the current year, i.e. a female, i.e. whose residence is in the area with the aggravated working conditions in agriculture.
The Bank calculates a fee for processing applications in the amount of 1.5% of the amount of the loan and charges it one time in advance when the loan is disbursed.
The Bank does not calculate any fee for premature repayment of the loan or for monitoring the loan.
The customer can make a partial or premature repayment of the whole outstanding loan, free of charge, with a written request to the Bank.
The costs that are to be debited to the borrower are known at the moment of advertising and they are included in the calculation of the effective interest rate.
Other costs the amount of which is not determined by the Bank (notary public/court fees, Geodetic Authority fee, insurance premium of insurance companies).
Mandatory instruments:
Additional instruments (according to the assessment, depending on the specific feature of the loan application, creditworthiness of the borrower, purpose and maturity of the loan):
*Representative example on 22 February 2024