Account overdraft

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You have the occasional need for a certain amount of money in addition to your monthly income? Want to have it always available, but also to return it by your own repayment schedule? If so, the account overdraft is the right solution for you! In order to apply for this product, it is necessary that you have received at least one salary/pension into your current account.

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PRODUCT FEATURE:
  • Maximum amount: Up to two monthly salaries/pensions
  • Repayment period: Up to 24 months
  • Application processing fee: 1%, minimum 150 RSD
  • Nominal interest rate: : 33,50% (EIR from 40,80%) for employees and 25% (EIR from 29,38%) for pensioners, users of the Golden Age package
  • Nominal interest rate is fixed
  • Additionally: possibility of refinancing the existing account overdraft in another bank

EXAMPLE:

1) Employees

Overdraft amount

Repayment period in months

Processing fee

NIREIR*Total amount to be returned within 12 months if the client would use account overdraft in total amount durig 12 months

65.000 RSD

12

1%

33,50% fixed

42,18%

88.023 RSD

65.000 RSD

24

1%

33,50% fixed

41,18%

110.101 RSD

*within EIR are calculate bill exchange cost (50 RSD) and Credit Bureau report (246 RSD)


2) Pensioners, users of the Golden AGE package

Overdraft amount

Repayment period in months

Processing fee

NIREIR*Total amount to be returned within 12 months if the client would use account overdraft in total amount durig 12 months

40.000 RSD

12

1%

25 % fixed

31,06%

50.835 RSD

40.000 RSD

24

1%

25 % fixed

29,94%

69.974 RSD

*within EIR are calculate bill exchange cost (50 RSD) and Credit Bureau report (246 RSD)

NECESSARY DOCUMENTATION:

1)Employees

  • ID
  • Certificate of employment and income

2) Pensioners

  • Account statement
  • Pension checks for the last three months or PIO certificate of receipt of the last three pensions