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|
TYPE OF LOAN |
CASH LOAN WITHOUT FX CLAUSE GRANTED AGAINST DINAR DEPOSIT |
|
LOAN AMOUNT |
Up to creditworthiness of the loan applicant |
|
NOMINAL INTEREST RATE per year, fixed |
3,50 p.p. higher than the interest received on dinar deposit. Interest rate on deposit may not exceed the highest currently applicable interest rate on fixed-term retail dinar savings. |
|
LOAN CURRENCY |
Dinar loan |
|
TERM OF REPAYMENT |
Up to 71 months |
|
BANK’S FEE |
0.5% (min. amount RSD 3,000 RSD, max. amount up to RSD 50,000) |
|
SECURITY INSTRUMENTS |
-Two blank promissory notes by the borrower -Special-purpose dinar deposit in the amount of 101% of the loan. The deposit has to be fixed to a term that is 15 days longer than the loan repayment period. |
|
REPAYMENT |
Monthly, in dinars |
EXAMPLE:
|
TYPE OF LOAN |
CASH LOAN WITHOUT FX CLAUSE GRANTED AGAINST DINAR DEPOSIT |
|
AMOUNT OF LOAN |
RSD 200,000 |
|
REPAYMENT PERIOD |
36 months |
|
LOAN CURRENCY |
Dinar loan |
|
NOMINAL INTEREST RATE PER YEAR, FIXED |
3,50% |
|
DEPOSIT (101%) |
RSD 202,000 |
|
BANK’S FEE |
RSD 3,000 |
|
MONTHLY INSTALLMENT |
RSD 5.860,42 |
|
SECURITY INSTRUMENTS |
Two promissory notes from the borrower Dinar deposit |
|
COST OF OBTAINING REPORT FROM THE CREDIT BUREAU |
RSD 246 |
|
COST OF ISSUING PROMISSORY NOTES |
RSD 100 |
|
TOTAL AMOUNT OF LOAN INCLUDING INTEREST |
RSD 210.975,12 |
|
EFFECTIVE INTEREST RATE |
4.73 % |
Calculation made as at 04.01.2019.
|
TYPE OF LOAN |
FX INDEXED CASH LOAN AGAINST FX DEPOSIT |
|
LOAN AMOUNT |
Up to creditworthiness of the loan applicant |
|
NOMINAL INTEREST RATE per year, fixed |
2,50 p.p. higher than the interest received on FX deposit Interest rate on deposit may not exceed the highest currently applicable interest rate on fixed-term retail FX savings. |
|
LOAN CURRENCY |
Dinar loan indexed in EUR |
|
TERM OF REPAYMENT |
Up to 71 months |
|
INDEXING CRITERIA |
NBS middle exchange rate for EUR |
|
BANK’S FEE |
0.5% (min. amount RSD 3,000 RSD, max. amount up to RSD 50,000) |
|
SECURITY INSTRUMENTS |
-Two blank promissory notes from the borrower -Special-purpose FX deposit in EUR, in the amount of 101% of the loan or 120% of the loan if the deposit is in a currency other than EUR. The deposit has to be fixed to a term 15 days longer than the loan repayment period. |
|
REPAYMENT |
Monthly, in dinar countervalue of EUR according to NBS middle rate on the day the monthly installment is due. |
EXAMPLE:
|
TYPE OF LOAN |
FX INDEXED CASH LOAN AGAINST FX DEPOSIT |
|
AMOUNT OF LOAN |
EUR 2,000 |
|
REPAYMENT PERIOD |
36 months |
|
LOAN CURRENCY |
Dinar loan indexed in EUR |
|
INDEXING CRITERIA |
NBS middle exchange rate for EUR |
|
NOMINAL INTEREST RATE PER YEAR, FIXED |
2,50% |
|
DEPOSIT (101%) |
EUR 2,020 |
|
BANK’S FEE |
RSD 3,000 |
|
MONTHLY INSTALLMENT |
EUR 57,72 |
|
SECURITY INSTRUMENT |
Two promissory notes from the borrower FX deposit |
|
COST OF OBTAINING REPORT FROM THE CREDIT BUREAU |
RSD 246 |
|
COST OF ISSUING PROMISSORY NOTES |
RSD 100 |
|
TOTAL AMOUNT OF LOAN INCLUDING INTEREST |
EUR 2.077,92 |
|
EFFECTIVE INTEREST RATE |
3.50% |
Calculation made as at 04.01.2019.