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CONSUMER LOANS WITH EURO FX CLAUSE
| Amount | Depending on the creditworthiness of the borrower |
| Loan currency | EUR |
| Maturity |
Up to 60 months |
| Down payment |
Minimum 30.00% of proforma invoice value |
| Nominal interest rate (fixed, p.a.) |
14.50 - 17.00% p.a. |
| Fee | 2.00% in a lump sum, minimum RSD 1,000 |
|
Monthly obligation |
Equal monthly annuities |
|
Security |
Depends on loan amount:
|
EXAMPLE as of 05.12.2011
| Proforma invoice value | EUR 5,000.00 |
| Down payment |
EUR 1,500.00 |
| Loan amount |
EUR 3,500.00 |
| Maturity |
60 months |
| Currency |
EUR |
| Nominal interest rate (fixed, p.a.) |
14.50% |
| Fee | RSD 7,241.30 RSD (EUR 70 at official NBS FX rate as of 05.12.2011) |
|
Monthly obligation |
EUR 80.75 (payment is made in RSD amount that is calculated at official NBS FX rate as of the payment date) |
|
Security |
Promissory note |
|
Other fees |
RSD 205,00 - Credit Bureau report for borrower RSD 50,00 - promissory note |
|
Total amount for repayment |
EUR 4,879.83 |
|
Effective interest rate |
15.58% p.a. |
CONSUMER LOANS WITHOUT FX CLAUSE
| Amount | Depending on the creditworthiness of the borrower |
| Loan currency | RSD |
| Maturity |
Up to 36 months |
| Deposit/Down payment |
None |
| Nominal interest rate (fixed, p.a.) |
19.90% - 22.00% p.a. |
| Fee | 2.00% in a lump sum, minimum RSD 1,000 |
|
Monthly obligation |
Equal monthly annuities |
|
Security |
Depends on loan amount:
|
EXAMPLE as of 31.01.2012.
| Amount | RSD 400,000.00 |
| Maturity |
36 months |
| Currency |
RSD |
| Nominal interest rate (fixed, p.a.) |
19.90% |
| Fee | 8,000.00 RSD (2.00% in a lump sum) |
|
Monthly obligation |
RSD 14,518.56 |
|
Security |
Promissory note |
|
Other fees |
RSD 205.00 - Credit Bureau report for borrower RSD 50.00 - promissory note |
|
Total amount for repayment |
RSD 522.866,16 |
|
Effective interest rate |
21.80% p.a. |
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