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CASH LOANS AND REFINANCING LOANS SECURED BY LIFE INSURANCE
| Amount | Depending on the creditworthiness of the borrower |
| Loan currency | 941 - RSD |
| Maturity |
Up to 84 months |
| Deposit/Down payment |
Without |
| Nominal interest rate (fixed, p.a.) |
18,90% - 22,00% p.a. |
| Fee | 2,00% in a lump sum |
|
Monthly obligation |
Equal monthly annuities |
|
Security |
Life insurance and promissory note for all amounts.
In case of employees for credits above 650.000,00 RSD, one guarantor is obligatory.
No guarantor is required for persons who receive their pension through the account in the Bank.
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REPRESENTATIVE EXAMPLE - ON 31.01.2012.
EXAMPLE 1 - MAN, 35 YEAR
| Amount | 400.000,00 RSD |
| Maturity |
84 months |
| Currency |
941 - RSD |
| Nominal interest rate (fixed, p.a.) |
18,90% |
| Fee | 8.000,00 RSD (2,00% in lump sum) |
|
Monthly obligation |
8.275,59 RSD |
|
Security |
Promissory note and life insurence |
|
Other fees |
205,00 RSD - Credit birou report for borrower 50,00 RSD - promissory note 6.355,24 RSD (59,92 EURa calculated on official FX course for EUR on 31.01.'12.)*
* fee is calculated with assumption that person is healthy and doesn't take risk activities |
|
Total amount for repayment |
695.339,50 RSD |
|
Effective interest rate |
20,52% p.a. |
EXAMPLE 2 - WOMAN, PENSIONER, 60 YEAR
| Amount | 400.000,00 RSD |
| Maturity |
84 months |
| Currency |
941 - RSD |
| Nominal interest rate (fixed, p.a.) |
18,90% |
| Fee | 8.000,00 RSD (2,00% in lump sum) |
|
Monthly obligation |
8.275,59 RSD |
|
Security |
Promissory note and life insurance |
|
Other fees |
205,00 RSD - Credit birou report for borrower 50,00 RSD - promissory note
23.800,31 RSD (224,40 EURa calculated on official FX course for EUR on 31.01.'12.)*
* fee is calculated with assumption that person is healthy and doesn't take risk activities |
|
Total amount for repayment |
695.339,50 RSD |
|
Effective interest rate |
22,56% p.a. |
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(032) 302-105, 302-169, 302-293, 320-652 |
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