Become a client
New, cheaper pensioner loans with longer repayment period.
These loans are intended for pensioners who are Bank’s customers or not.
The loan is secured by a borrower’s promissory note and a life insurance policy. The cost of life insurance premium is paid for by the Bank.
Refinance your credit obligations with another bank quickly and easily - without going to that bank. The instructions of the National Bank of Serbia enable you to simply change the bank and refinance all your credit obligations with a loan from the bank whose conditions suit you best. We take over all communication with the bank whose loan you want to refinance, until the closing of that loan.
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TYPE OF CLIENT |
BANK’S CLIENTS |
OTHER CITIZENS |
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LOAN AMOUNT |
Up to the amount of the applicant’s creditworthiness, but no more than RSD 1.200.000 |
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LOAN CURRENCY |
Dinar loan |
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REPAYMENT PERIOD |
Up to 71 months |
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NOMINAL INTEREST RATE, PER ANNUM |
13,95% fixed |
14,95% fixed |
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THE BANK’S FEE |
No fee |
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LOAN SECURITY |
Borrower’s promissory note Life insurance policy from the company Dunav Insurance Company j.s.c. assigned in favour of the Bank |
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LOAN REPAYMENT |
Monthly in dinars |
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EXAMPLE:
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DINAR CASH LOANS AND REFINANCING LOANS WITH LIFE INSURANCE INTENDED FOR PENSIONERS WHO ARE THE BANK’S CUSTOMERS |
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LOAN AMOUNT |
RSD 200.000,00 |
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REPAYMENT PERIOD |
60 months |
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NOMINAL INTEREST RATE, ANNUAL |
13,95% - fixed |
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THE BANK’S FEE |
No fee |
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MONTHLY INSTALMENT |
RSD 4.648,47 - first 36 months |
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TOTAL LOAN AMOUNT INCL. INTEREST |
RSD 278.908,20 |
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EFFECTIVE INTEREST RATE |
14,96% |
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OTHER EXPENSES INCLUDED IN THE CALCULATION OF EFFECTIVE INTEREST RATE |
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COST OF OBTAINING A REPORT FROM THE CREDIT BUREAU |
RSD 246,00 |
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COST OF ISSUING A PROMISSORY NOTE |
RSD 50,00 |
Calculation as of 13.09.2021..
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DINAR CASH LOANS AND REFINANCING LOANS WITH LIFE INSURANCE INTENDED FOR PENSIONERS WHO ARE NOT THE BANK’S CUSTOMERS |
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LOAN AMOUNT |
RSD 200.000,00 |
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REPAYMENT PERIOD |
60 months |
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NOMINAL INTEREST RATE, ANNUAL |
14,95% - fixed |
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THE BANK’S FEE |
No fee |
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MONTHLY INSTALMENT |
RSD 4.752,74 |
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TOTAL LOAN AMOUNT INCL. INTEREST |
RSD 285.164,40 |
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EFFECTIVE INTEREST RATE |
16,10% |
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OTHER EXPENSES INCLUDED IN THE CALCULATION OF EFFECTIVE INTEREST RATE |
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COST OF OBTAINING A REPORT FROM THE CREDIT BUREAU |
RSD 246,00 |
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COST OF ISSUING A PROMISSORY NOTE |
RSD 50,00 |
Calculation as of 13.09.2021.
*Representative example is calculated for Bank’s regular clients and for other citizens who do not receive their salaries through the accounts held with Komercijalna Banka.