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Cash Loan

Cash loan in RSD

Loan characteristics:
Amount: 64.000 – 2.000.000 RSD
Nominal interest rate:
  • For Payroll clients: 8,64%, variable (3m Belibor + 7%)*
  • For Non Payroll clients: 14,64%, variable (3m Belibor +13%)*
EIR:
  • Payroll clients: from 10,21%
  • For Non Payroll clients: from 19,07%,
Tenor:
  • For Payroll clients: 12 - 83 months
  • For Non Payroll clients: 12 - 72 months
Other fees:
  • Disbursement fee: no disbursement fee
  • Monthly administration fee: 0,5%-0,15% from approved loan amount
For loan amounts up to 599,999 RSD the monthly administration fee is 0,15% of the approved loan amount and for loan amounts of 600.000 RSD and above the monthly administration fee is 0,05% of the approved loan amount. For Non Payroll clients the monthly administration fee is 0,15% of the approved amount.
  • Bill of exchange: 50 RSD
  • Credit Bureau report: 246 RSD

Example:

Loan typePayroll loanPayroll loanPayroll loanNon Payroll loan
Loan amount (RSD)100.000 300.000 700.000 300.000
Tenor (months) 83838372
Disbursement fee 0% 0% 0% 0%
Monthly administration fee 0,15% 0,15% 0,05% 0,15%
Installment (RSD)1.761 5.283 11.626 6.769
Total paid amount (RSD) 146.452438.763 965.286 487.666
NIR* (variable) 8,64%8,64% 8,64% 14,64%
EIR* (variable) 12,42%12,35% 10,22% 19,11%

*The nominal interest rate is variable and is defined as the sum of 3m Belibor and margin. EIR is calculated using a value of 3mBelibor which is 1,64% as of 31.12.2019. The calculation of the EIR included: monthly administration fee (0,05%-0,15% of the approved loan amount), bill of exchange (50 RSD) and Credit Bureau report (246 RSD).Nominal interest rate is determined on a quarterly basis –in January, April, July and October when the variable element is aligned with the values of the officially published reference rate on the last day of the month that precedes the month in which the adjustment is made.The changed variable interest rate will be applied in the first accounting period that starts after the change.

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