Loans Intended for Pensioners

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.

 

DINAR CASH LOANS AND REFINANCING LOANS WITH LIFE INSURANCE INTENDED FOR PENSIONERS

 

 TYPE OF CLIENT

BANK’S CLIENTS

OTHER CITIZENS

LOAN AMOUNT

Up to the amount of the applicant’s creditworthiness, but no more than RSD 1.200.000

LOAN CURRENCY

Dinar loan

REPAYMENT PERIOD

Up to 71 months

NOMINAL INTEREST RATE,

PER ANNUM

13,95% fixed

14,95% fixed

THE BANK’S FEE

No fee

LOAN SECURITY

Borrower’s promissory note

Life insurance policy from the company Dunav Insurance Company j.s.c. assigned in favour of the Bank

LOAN REPAYMENT

Monthly in dinars

               


EXAMPLE:

DINAR CASH LOANS AND REFINANCING LOANS WITH LIFE INSURANCE INTENDED FOR PENSIONERS WHO ARE THE BANK’S CUSTOMERS

LOAN AMOUNT

RSD 200.000,00

REPAYMENT PERIOD

60 months

NOMINAL INTEREST RATE,

ANNUAL

13,95% - fixed

THE BANK’S FEE

No fee

MONTHLY INSTALMENT

RSD 4.648,47 - first 36 months

TOTAL LOAN AMOUNT INCL. INTEREST

RSD 278.908,20

EFFECTIVE INTEREST RATE

14,96%

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 13.09.2021..

 

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

 

14,95% - fixed

THE BANK’S FEE

No fee

MONTHLY INSTALMENT

 

RSD 4.752,74

TOTAL LOAN AMOUNT INCL. INTEREST

 

RSD 285.164,40

EFFECTIVE INTEREST RATE

16,10%

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 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.