Loans for the purchase of cars, motor vehicles and vessels
During promotional period until 1 July 2023
No loan processing fee during the promotional period.
No transfer of salary or pension
No down payment
Without mandatory comprehensive insurance for loans up to RSD 2,000,000
No loan maintenance costs
From RSD 50,000 to RSD 3,000,000
NIR for the first 12 months, i.e. after the end of the 12-month period, until the date of the first adjustment of the interest rate is fixed and amounts to 10.00%. After the 3th month, i.e. after the date of the first adjustment, the NIR is variable and is calculated as the sum of 6M BELIBOR valid on 30 May and 30 November and a fixed margin in the amount of 4.50%. The newly determined interest rate is calculated on the balance of the unpaid principal on 30 June and 31 December of each year.
One-time fee in the amount of 1% of the loan amount
Main security instruments
Two blank solo promissory notes
Attachment on salary for employed persons
Additional security instruments
Manual pledge for amounts over RSD 2 million
Comprehensive insurance for amounts over RSD 2.5 million
Upon a written request to the Bank, the Borrower can make a partial or early repayment of the entire outstanding loan without a fee.
Invoice issued by the Seller/sales contract
Certificate of employment and amount of income (only for employed persons)
Decision on attachment on salary in two copies (only for employed persons)
Type of loan
RSD car loan without insurance
Nominal annual interest rate
10% (fixed for the first 12 months, first adjustment 4.50% + 6M BELIBOR)