Become a client
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TYPE OF LOAN |
DINAR LOANS FOR PURCHASE OF MOTOR VEHICLES |
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BANK’S CLIENTS |
OTHERS |
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LOAN AMOUNT |
Up to RSD 3.000.000,00 |
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CURRENCY OF THE LOAN AGREEMENT |
Dinar loan |
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REPAYMENT PERIOD |
From 13 to 84 months |
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NOMINAL INTEREST RATE |
6,95% - fixed or 5,50% + 6M BELIBOR - variable |
7,95% - fixed or 6,50% + 6M BELIBOR - variable |
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ADJUSTMENT OF INTEREST RATE |
In case of variable interest rate, adjustment of interest rate is carried out twice a year, every six months, as of the date the loan repayment commences, by applying the value of 6M BELIBOR, which is defined in the market two working days prior to the date of adjustment |
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BANK’S FEE |
No fee |
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COLLATERAL |
- For loan amounts up to EUR 10.000,00: Blank bill of exchange of the loan beneficiary
- For loan amounts exceeding EUR 10.001,00 and others: Two blank bills of exchange signed by the loan beneficiary, Casco/comprehensive car insurance assigned in favour of the Bank and chattel mortgage on a vehicle that is subject to lending for the entire period of loan durationtion |
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DOWNPAYMENT |
-Without downpayment for loans up to EUR 10.000,00 -Min 30% of the amount indicated in the pro forma invoice (with VAT), an/or of the amount from purchase contratc for loans from EUR 10.000,00 |
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SPECIAL CONDITION |
Financing of purchase of used motor vehicles can be performed under the condition that such vehicles are not older than 60 months as of the date of loan approval |
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In all cases where the collateral for loan is a pledge on vehicle, at the time of loan approval there will be insurance costs, costs of obtaining certificates, permits, statements and decisions of the competent bodies, costs of establishing a lien, and alike.
EXAMPLE:
|
TYPE OF LOAN |
DINAR LOANS FOR PURCHASE OF MOTOR VEHICLES – FIXED INTEREST RATE |
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BANK’S CLIENTS |
OTHERS |
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LOAN AMOUNT |
RSD 500.000,00 |
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REPAYMENT PERIOD |
84 months |
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CURRENCY OF THE LOAN AGREEMENT |
Dinar loan |
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NOMINAL INTEREST RATE |
6,95% |
7,95% |
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BANK’S FEE |
No fee |
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MONTHLY ANNUITY |
RSD 7.534,12 |
RSD 7.780,66 |
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COLLATERAL |
Bill of exchange of the loan user |
- Blank bill of exchange of the loan beneficiary - Manual pledge - Casco insurance |
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COSTS OF OBTAINING THE REPORT FROM CREDIT BUREAU |
RSD 246,00 |
RSD 246,00 |
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COSTS OF BILLS OF EXCHANGE ISSUANCE |
RSD 50,00 |
RSD 50,00 |
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COSTS OF MANUAL PLEDGE |
RSD 4.000,00 |
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COSTS OF ANNUAL PREMIUM CASCO INSURANCE |
RSD 30.000,00 |
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TOTAL LOAN AMOUNT WITH INTEREST |
RSD 632.866,08 |
RSD 653.575,44 |
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EFFEECTIVE INTEREST RATE |
7,19% |
20,03% |
Calculation is performed on 26.04.2021.
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TYPE OF LOAN |
DINAR LOANS FOR PURCHASE OF MOTOR VEHICLES – VARIABLE INTEREST RATE |
|
|
BANK’S CLIENTS |
OTHERS |
|
|
LOAN AMOUNT |
RSD 500.000,00 |
|
|
REPAYMENT PERIOD |
84 months |
|
|
CURRENCY OF THE LOAN AGREEMENT |
Dinar loan |
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|
NOMINAL INTEREST RATE |
6,57% variable (6M BELIBOR + 5,50%) |
7,57% variable (6M BELIBOR + 6,50%) |
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BANK’S FEE |
No fee |
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MONTHLY ANNUITY |
RSD 7.441,67 |
RSD 7.686,42 |
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COLLATERAL |
Bill of exchange of the loan user |
- Blank bill of exchange of the loan beneficiary - Manual pledge - Casco insurance |
|
COSTS OF OBTAINING THE REPORT FROM CREDIT BUREAU |
RSD 246,00 |
RSD 246,00 |
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COSTS OF BILLS OF EXCHANGE ISSUANCE |
RSD 50,00 |
RSD 50,00 |
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COSTS OF MANUAL PLEDGE |
RSD 4.000,00 |
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COSTS OF ANNUAL PREMIUM CASCO INSURANCE |
RSD 30.000,00 |
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TOTAL LOAN AMOUNT WITH INTEREST |
RSD 625.100,28 |
RSD 645.659,28 |
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EFFEECTIVE INTEREST RATE |
6,79% |
19,63% |
Calculation is performed on 26.04.2021.
Value of 6M BELIBOR is 1,07%
Loans for Motor Vehicle Purchase with FX Clause
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TYPE OF LOAN |
LOANS FOR PURCHASE OF MOTOR VEHICLES WITH CURRENCY CLAUSE |
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BANK’S CLIENTS |
OTHERS |
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LOAN AMOUNT |
Up to 25.500,00 |
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REPAYMENT PERIOD |
From 13 to 84 months |
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NOMINAL INTEREST RATE |
5,50% - fixed or 5,00% + 6M EURIBOR - variable |
6,50% - fixed or 6,00% + 6M EURIBOR - variable |
|
ADJUSTMENT OF INTEREST RATE |
In case of variable interest rate, adjustment of interest rate is carried out twice a year, every six months, as of the date the loan repayment commences, by applying the value of 6M EURIBOR, which is defined in the market two working days prior to the date of adjustment |
|
|
BANK’S FEE |
No fee |
|
|
COLLATERAL |
- For loan amounts up to EUR 10.000,00: Blank bill of exchange of the loan beneficiary
- For loan amounts exceeding EUR 10.001,00 and others: Blank bill of exchange signed by the loan beneficiary, Casco/comprehensive car insurance assigned in favour of Bank and chattel mortgage on a vehicle that is being financed by means of lending for the entire period of loan duration |
|
|
DOWNPAYMENT |
-Without downpayment for loans up to EUR 10.000,00 -Min 30% of the amount indicated in the pro forma invoice (with VAT), an/or of the amount from purchase contratc for loans from EUR 10.000,00 |
|
|
SPECIAL CONDITION |
Financing of purchase of used motor vehicles can be performed under the condition that such vehicles are not older than 60 months as of the date of loan approval |
|
In all cases where the collateral for loan is a pledge on vehicle, at the time of loan approval there will be insurance costs, costs of obtaining certificates, permits, statements and decisions of the competent bodies, costs of establishing a lien, and alike.
EXAMPLE:
|
TYPE OF LOAN |
LOANS FOR PURCHASE OF MOTOR VEHICLES WITH CURRENCY CLAUSE – FIXED INTEREST RATE |
|
|
BANK’S CLIENTS |
OTHERS |
|
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VALUE OF PROFORMA INVOICE |
EUR 10.000,00 |
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DOWN PAYMENT MIN 30% |
EUR 3.000,00 |
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LOAN AMOUNT |
EUR 7.000,00 |
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REPAYMENT PERIOD |
84 months |
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CURRENCY OF THE LOAN AGREEMENT |
Dinar loan indexed in EUR |
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CRITERIA FOR INDEXATION |
EUR – middle exchange rate of NBS |
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NOMINAL INTEREST RATE |
5,50% |
6,50% |
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BANK’S FEE |
No fee |
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MONTHLY ANNUITY |
EUR 100,59 |
EUR 103,95 |
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COLLATERAL |
Blank bill of exchange of the loan beneficiary |
- Blank bill of exchange of the loan beneficiary - Manual pledge - Casco insurance |
|
COSTS OF OBTAINING THE REPORT FROM CREDIT BUREAU |
RSD 246,00 |
RSD 246,00 |
|
COSTS OF BILLS OF EXCHANGE ISSUANCE |
RSD 50,00 |
RSD 50,00 |
|
COSTS OF MANUAL PLEDGE |
RSD 4.000,00 |
|
|
COSTS OF ANNUAL PREMIUM CASCO INSURANCE |
RSD 30.000,00 |
|
|
TOTAL LOAN AMOUNT WITH INTEREST |
EUR 8.449,56 |
EUR 8,731,80 |
|
EFFECTIVE INTEREST RATE |
5,65% |
13,82% |
Calculation is made on 26.04.2021.
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TYPE OF LOAN |
LOANS FOR PURCHASE OF MOTOR VEHICLES WITH CURRENCY CLAUSE – VARIABLE INTEREST RATE |
|
|
BANK’S CLIENTS |
OTHERS |
|
|
VALUE OF PROFORMA INVOICE |
EUR 10.000,00 |
|
|
DOWN PAYMENT MIN 30% |
EUR 3.000,00 |
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LOAN AMOUNT |
EUR 7.000,00 |
|
|
REPAYMENT PERIOD |
84 months |
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CURRENCY OF THE LOAN AGREEMENT |
Dinar loan indexed in EUR |
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CRITERIA FOR INDEXATION |
EUR – middle exchange rate of NBS |
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NOMINAL INTEREST RATE |
4,49% variable (6M EURIBOR + 5,00%) |
5,49% variable (6M EURIBOR + 6,00%) |
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BANK’S FEE |
No fee |
|
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MONTHLY ANNUITY |
EUR 97,25 |
EUR 100,54 |
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COLLATERAL |
Blank bill of exchange of the loan beneficiary |
- Blank bill of exchange of the loan beneficiary - Manual pledge - Casco insurance |
|
COSTS OF OBTAINING THE REPORT FROM CREDIT BUREAU |
RSD 246,00 |
RSD 246,00 |
|
COSTS OF BILLS OF EXCHANGE ISSUANCE |
RSD 50,00 |
RSD 50,00 |
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COSTS OF MANUAL PLEDGE |
RSD 4.000,00 |
|
|
COSTS OF ANNUAL PREMIUM CASCO INSURANCE |
RSD 30.000,00 |
|
|
TOTAL LOAN AMOUNT WITH INTEREST |
EUR 8.169,00 |
EUR 8.445,36 |
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EFFECTIVE INTEREST RATE |
4,59% |
12,77% |
Calculation is performed on 26.04.2021.
Value of 6M EURIBOR is -0,515%