CyrillicSUBSIDIZED PURCHASE OF PASSENGER VEHICLES
BUY A NEW CAR ON A LOAN! PURCHASE A NEW TAXI VEHICLE WITH THE HELP OF POSTAL SAVINGS BANK!
WHO IS ENTITLED TO SUBSIDIZED PURCHASE?
Entrepreneurs and companies that perform the activity of taxi transport as a means of public transport are entitled to subsidized purchase of passenger vehicles in accordance with the provisions of the Law on Passenger Road Transport pursuant to the Regulation of the Government of the Republic of Serbia on the conditions and manner of conducting subsidized purchase of passenger vehicles for the renewal of taxi fleet for the purpose of public transport.
Within three years from the date of entry into force of the Regulation, the taxi service provider-entrepreneur may exercise the right to a subsidy for only one passenger vehicle, i.e. based on only one individual decision on performing taxi services, and the company for each individual passenger vehicle specified in the decision on performing taxi services.
DURATION OF THE PROGRAM - Subsidized purchase of passenger vehicles will be carried out for three years from the date of entry into force of the Regulation.
MINIMUM PRICE OF THE VEHICLE TO BE PURCHASED - The new passenger vehicle whose purchase is subsidized must have a value of not less than EUR 13,000 in RSD equivalent at the official middle exchange rate of the National Bank of Serbia on the day the request was submitted.
SUBSIDY AMOUNT - The subsidized purchase is carried out by paying the amount of EUR 8,000 in RSD equivalent at the official middle exchange rate of the National Bank of Serbia on the day of payment.
MINIMUM PARTICIPATION OF A TAXI SERVICE PROVIDER - In order to use the subsidy, a taxi service provider is obliged to pay an amount of at least 15% of the purchase price of a new passenger vehicle before the subsidy is paid.
If the taxi service provider is not able to fully finance the difference between the purchase price of the vehicle and the subsidy increased by the minimum own participation, the taxi service provider can apply for a fixed asset purchase loan at our Bank.
SPECIAL OFFER FOR ENTREPRENEURS
LOAN AMOUNT
up to EUR 20,000 (in RSD equivalent)
CURRENCY
RSD and EUR (in RSD equivalent at the official middle exchange rate of the NBS)
GRACE PERIOD
up to 3 months following the loan disbursement date
LOAN REPAYMENT PERIOD AND METHOD
up to 60 months, in equal monthly installments
FEE FOR OBTAINING A CREDIT BUREAU REPORT
- RSD 600 for entrepreneurial business, i.e.
- RSD 246 for a natural person who is the founder of the entrepreneurial business
*there may be additional costs for obtaining the Credit Bureau report if there are new guarantors, pledge debtors, natural and legal persons for the placement in question.
- RSD 246 for a natural person who is the founder of the entrepreneurial business
*there may be additional costs for obtaining the Credit Bureau report if there are new guarantors, pledge debtors, natural and legal persons for the placement in question.
EXECUTION FEE
One-time fee in the amount of 1%, charged in advance prior to using the loan, in case there is a casco insurance policy assigned to the Bank
One-time fee in the amount of 2%, charged in advance prior to using the loan, in all other cases
One-time fee in the amount of 2%, charged in advance prior to using the loan, in all other cases
PLACEMENT MONITORING FEE
0.25% on the debt balance,
once a year every 31 December
once a year every 31 December
ANNUAL INTEREST RATE
- For RSD loans 3m Belibor + 4.50 pip
- For RSD loans indexed in EUR (currency clause): 3m Euribor + 4.99 pip
- For RSD loans indexed in EUR (currency clause): 3m Euribor + 4.99 pip
SECURITY INSTRUMENTS
MINIMUM SECURITY
For loans up to EUR 5,000
For loans up to EUR 5,000
- Bills of exchange of the borrower
- Personal bills of exchange issued by the owner
- Bills of exchange of the borrower
- Personal bills of exchange issued by the owner
- Pledge on the vehicle in favour of the Bank
OTHER INFORMATION
Loan may be repaid early in full or in part at any time without payment of any Bank fees in that respect.
*Amount of the interest rate is determined at the time of loan disbursement as the sum of the value of 3m Belibor/3m Euribor valid on the day of loan disbursement, and a fixed margin. The same is valid until the first adjustment, which is performed after the expiration of a three-month period, counting from the day of loan disbursement.
REPRESENTATIVE EXAMPLE FOR ENTREPRENEURS
RSD LOAN
Loan amount
1,200,000 RSD
Repayment period
60 months
Grace period
No grace period
Interest rate (annually)
3m Belibor + 4.50%, variable, proportional method of calculation
EIR (annually)*
7,63%
The total amount repaid by the client after the agreed loan repayment period
1,421,158.78 RSD
* EIR was calculated on 27 April 2022
Costs borne by the client are known at the time of advertising and are included in the calculation of the effective interest rate: the fee for the execution of the loan request amounts to 2% of the approved loan amount. Fee for 12 bills of exchange is RSD 600. Credit Bureau fee for entrepreneurs is RSD 600, and for the natural person - owner it amounts to RSD 246. Costs of registering a pledge amount to RSD 5,000.00. Costs of placement monitoring amount to RSD 7,000.00 for the entire loan repayment period.
LOAN INDEXED IN EUR
Loan amount
EUR 10,000
Repayment period
60 months
Grace period
No grace period
Interest rate (annually)
3m Belibor + 4.99%, variable, proportional method of calculation of
EIR (annually)*
6,06%
The total amount repaid by the client after the agreed loan repayment period
EUR 11,472.74
*EIR was calculated on 27 April 2022.
The costs borne by the client are known at the time of advertising and are included in the calculation of the effective interest rate: the fee for the execution of the loan request amounts to 2% of the approved loan amount. Fee for 12 bills of exchange is RSD 600. Credit Bureau fee for entrepreneurs is RSD 600, and for the natural person - owner it amounts to RSD 246. Costs of registering a pledge amount to RSD 5,000.00. Costs of placement monitoring amount to RSD 6,866.04 for the entire loan repayment period.
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