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Car loan

Auto loans in RSD

  • Without kasko insurance (for loan amounts up to 10.000 €)
  • The same conditions for Payroll and Non Payroll clients
  • Without pledge (for loan amounts up to 7.000 €)
  • No downpayment
  • For new and used car
Amount: 240.000-2.800.000 RSD
Tenor: 12-84 months
Nominal interest rate: 7,98%, variable (3mBelibor+6%)*
EIR: from 11,60%,
Other fees:
  • Disbursement fee: 0%
  • Monthly administration fee: 0,15% from the approved loan amount
  • Bill of exchange: 100 RSD (50 RSD per bill of exchange)
  • Credit Bureau report: 246 RSD

Example:

Loan amount (RSD)

Tenor (in months)

Disbursement fee

Monthly administration fee

Installment (RSD)

Total paid amount (RSD)

NIR

EIR

500.000

84

0%

0,15%

8.567

719.964

7,98%

11,63%

700.000

84

0%

0,15%

11.994

1.007.811

7,98%

11,62%

*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 1,98% as of 30.09.2019. The calculation of the EIR included: monthly administration fee (0,15% of the approved loan amount), bill of exchange (100 RSD) and Credit Bureau report (246 RSD).
Nominal interest rate is determined on a quarterly basis in January, April, July and October when variable base is aligned with the values of official Reference rate on the last day of the month preceding the month when the indexation. The changed variable interest rate will be applied in the first accounting period that starts after the change.

Auto loan indexed in EUR
    • Without kasko insurance (for loan amounts up to 10.000 €)
    • The same conditions for Payroll and Non Payroll clients
    • Without pledge (for loan amounts up to 7.000 €)
    • Minimum 30% downpayment
    • For new and used cars
    Amount: 2.500-35.000 EUR
    Tenor: 12-84 months
    Nominal interest rate: 5,59%, variable (3m Euribor+6%)*
    EIR: from 9,09%
    Other fees:
    • Disbursement fee: 0%
    • Monthly administration fee: 0,15% from the approved loan amount
    • Bill of exchange: 100 RSD (50 RSD per bill of exchange)
    • Credit Bureau report: 246 RSD
    Example:

    Loan amount (EUR)

    Tenor (in months)

    Disbursement fee

    Monthly administration fee

    Installment (EUR)

    Total paid amount (EUR)

    NIR

    EIR

    5.000

    84

    0%

    0,15%

    80

    6.703

    5,59%

    9,11%

    7.000

    84

    0%

    0,15%

    112

    9.382

    5,59%

    9,10%

    * The nominal interest rate is variable and is defined as the sum of 3m Euribor and margin. On day 30.09.2019. 3mEuribor is -0,41%. The calculation of the EIR included: monthly administration fee (0,15% of the approved loan amount), bill of exchange (100 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 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. The nominal interest rate is variable and is defined as the sum of 3m Euribor and margins. 3m Euribor value on day 09.30.2019. is -0,41%. The EIR calculation involved monthly administration fee (0.15% of the loan amount), the cost of utility bills (50 RSD) and Credit Bureau report (246 RSD). Nominal interest rate is determined on a quarterly basis in January, April, July and October, and by the variable base is aligned with the values of official Reference rate on the installment date of the month when the alignment is done. Changed variable interest rate will apply to the first accounting period that starts after the changes.

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