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.
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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, ANNUAL |
13,95%, fixed – first 36 months |
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THE BANK’S FEE (% OF THE LOAN AMOUNT) |
Pensioners who are the Bank’s customers – 1% of the loan amount Pensioners who are not the Bank’s customers – 2% of the loan amount Pensioners who are the Bank’s customers – Users of Kombank Classic Set – no fee is charged |
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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 |
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 – first 36 months |
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THE BANK’S FEE (1% OF THE LOAN AMOUNT) |
RSD 2.000,00 |
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MONTHLY INSTALMENT |
RSD 4.648,47 - first 36 months |
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TOTAL LOAN AMOUNT INCL. INTEREST |
RSD 277.050,60 |
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EFFECTIVE INTEREST RATE |
15,20% |
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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 12.09.2019, value of 6M BELIBOR was 2,10%
|
DINAR CASH LOANS AND REFINANCING LOANS WITH LIFE INSURANCE INTENDED FOR PENSIONERS WHO ARE NOT THE BANK’S CUSTOMERS |
|
|
LOAN AMOUNT |
RSD 200.000,00 |
|
REPAYMENT PERIOD |
60 months |
|
NOMINAL INTEREST RATE, ANNUAL |
13,95%, fixed – first 36 months |
|
THE BANK’S FEE (2% OF THE LOAN AMOUNT) |
RSD 4.000,00 |
|
MONTHLY INSTALMENT |
RSD 4.648,47 - first 36 months |
|
TOTAL LOAN AMOUNT INCL. INTEREST |
RSD 277.050,60 |
|
EFFECTIVE INTEREST RATE |
15,73% |
|
OTHER EXPENSES INCLUDED IN THE CALCULATION OF EFFECTIVE INTEREST RATE |
|
|
COST OF OBTAINING A REPORT FROM THE CREDIT BUREAU |
RSD 246,00 |
|
COST OF ISSUING A PROMISSORY NOTE |
RSD 50,00 |
Calculation as of 12.09.2019, value of 6M BELIBOR was 2,10 %
|
DINAR CASH LOANS AND REFINANCING LOANS WITH LIFE INSURANCE INTENDED FOR PENSIONERS WHO ARE THE BANK’S CUSTOMERS – USERS OF KOMBANK CLASSIC SET |
|
|
LOAN AMOUNT |
RSD 200.000,00 |
|
REPAYMENT PERIOD |
60 months |
|
NOMINAL INTEREST RATE, ANNUAL |
13,95%, fixed – first 36 months |
|
THE BANK’S FEE |
No fee is charged. |
|
MONTHLY INSTALMENT |
RSD 4.648,47 - first 36 months |
|
TOTAL LOAN AMOUNT INCL. INTEREST |
RSD 277.050,60 |
|
EFFECTIVE INTEREST RATE |
14,69% |
|
OTHER EXPENSES INCLUDED IN THE CALCULATION OF EFFECTIVE INTEREST RATE |
|
|
COST OF OBTAINING A REPORT FROM THE CREDIT BUREAU |
RSD 246,00 |
|
COST OF ISSUING A PROMISSORY NOTE |
RSD 50,00 |
Calculation as of 12.09.2019, value of 6M BELIBOR was 2,10%