During promotional period, the interest rate is 13.50%
Conditions for obtaining a loan
A loan is granted to the client who meets the following conditions:
Client is an employed person
Client has a current account opened with the Bank
Client's financial status and creditworthiness are assessed by the Bank as positive.
Loan amount and repayment period
From RSD 50,000 to RSD 3,000,000 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 15,50% 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 2% of the approved loan amount.
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.
Two blank solo promissory notes containing a "no protest" clause
Attachment on salary
Unemployment insurance policy - 6 months during the repayment period
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
Decision on attachment on salary in two copies
REPRESENTATIVE EXAMPLE OF A LOAN - PROMOTIONAL CONDITIONS
Type of loan
Cash loan with unemployment insurance
Nominal annual interest rate
No indexing criteria
2 promissory notes Unemployment insurance - paid by the Bank