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Account overdraft

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.

PRODUCT CHARACTERISTIC:

  • Maximum amount: Up to two monthly salaries/pensions
  • Repayment period: Up to 24 months
  • Application processing fee:
    • 400 RSD for overdraft with tenor up to 12 months
    • 500 RSD for overdraft with tenor up to 24 months
  • Nominal interest rate: 33,50% (EIR from 40,01%) for employees and 25,00% (EIR from 28,64%) for pensioners, users of the Golden Age package

Example:

1) Employees

Overdraft amount

Repayment period in months

Processing fee

NIR

EIR*

Total amount to be returned within 12/24 months if the client would use account overdraft in total amount durig 12/24 months

60.000 RSD

12

400

33,50% fixed

41,54%

87.773 RSD

60.000 RSD

24

500

33,50% fixed

40,95%

109.951 RSD

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

Example:

2) Pensioners, users of the Golden AGE package

Overdraft amount

Repayment period in months

Processing fee

NIR

EIR*

Total amount to be returned within 12/24 months if the client would use account overdraft in total amount durig 12/24 months

65.000 RSD

12

400 RSD

25,00 % fixed

30,07%

82.172 RSD

65.000 RSD

24

500 RSD

25,00% fixed

29,51%

98.747 RSD

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