A loan is granted to the client who meets the following conditions:
Client has a current account opened with the Bank.
Client is an employed person or a beneficiary of pension and disability insurance (pensioner).
Client's financial status and creditworthiness are assessed by the Bank as positive.
Loan amount and repayment period
From RSD 50,000 to RSD 2,000,000 The loan is repaid in 12, 24, 36, 48, 60 or 71 monthly installments by debiting the borrower's current account. Loan repayment starts one month after signing the Loan Agreement.
The nominal annual interest rate is 15.95% and is fixed during the entire loan repayment period.
Default interest is equal to the statutory default interest or the contracted (regular) interest if it is higher.
One-time loan processing fee in the amount of 1.80% of the approved loan amount.
Fee is not charged for refinancing exclusively of the loan obligations towards another bank and for the simultaneous refinancing of the loan obligations towards the Bank and another bank.
Cost of issuing a Credit Bureau report in the amount of RSD 246.00.
Cost of one promissory note in the amount of RSD 50.00.
One blank solo promissory note
Upon a written request to the Bank, the Borrower can make a partial or early repayment of the entire outstanding loan without a fee.
Certificate of employment and amount of income (only for employed persons)
REPRESENTATIVE EXAMPLE - PROMOTIONAL CONDITIONS
Type of loan
RSD cash loan with insurance
Nominal annual interest rate
No indexing criteria
1 promissory note Credit life insurance – paid by the Bank