Deposit based Loan

We offer the possibility of taking cash loans with 105% deposit. This loan can be indexed in EUR and RSD.

This loan is approved with repayment period of 12 to 84 months, the amount of 500 EUR to 250,000 EUR or 50,000 RSD to 25,000,000 RSD.

The interest rate for this loan is:
• For Loans indexed in EUR: NIR 3m Euribor*+5%, EIR from 6.94%, variable**
• For Loan in RSD: NIR 3mBelibor**+1%, EIR from 6.46%, variable**

Disbursement fee:

  • No disbursement fee

Loan application can be submitted only with an ID card.

Example

Amount

Tenor

Deposit

Disbursement fee

Monthly administration fee

Installment

NIR*(vari-able**)

EIR*(vari-able**)

Cash loan indexed in eur

100.000

84

105%

0%

0%

1,402

4.70%

7.11%

Cash loan indexed in rsd

10.000.000

84

105%

0%

0%

139,101

4.46%

6.46%

*NIR and EIR calculated on day 30.09.2016. On day 28.09.2016. 3mEuribor=-0.30% .Nominal interest rate is determined on a quarterly basis in January, April, July and October, when the variable base is aligned with the values of official Reference rate on the maturity date of the monthly installments of the month when the alignment is done. Changed variable interest rate will be applied in the first accounting period that starts after the change.

**For EIR calculation is used value of 3mBelibor which was on 30.09.2016 3.46%. EIR is calculated on 30.09.2016. Level of the nominal interest rate is determined quarterly –in January, April, July and October in the way that variable element is to be aligned with the values of officially published reference rate on the last day of the month that precedes the month in which adjustment is made.Changed variable interest rate will be applied in the first accounting period that starts after the change.