Become a client
If you receive a salary / pension through your account at Komercijalna Banka and you are the user of an eBank account, you have the option, without going to the Branch office, to start online the process of receiving cash loans. From now on, you can adjust your leisure time with the need to take a loan by completing the application and submitting the necessary online documentation. This way you will save time and money, because the online cash loan fee is only 1%, and it’s enough to do the following:
- Under the KOMeCENTAR / Online loan application, check your eBank account for the recommended offer* of a Dinar Cash Loan;
- Collect the requested documentation;
- Submit an online loan application according to your needs and attach the scanned / photo documentation;
- Wait for an answer about the outcome of the loan approval process;
- Sign the contract documents at the Bank’ Branch of your choice.
For all questions and dilemmas, please contact our Digital Branch (by phone, e-mail, chat or video chat) every working day from 9 am to 9 pm and Saturday from 9 am to 4 pm.
*The recommended offer is only available to customers who fulfil the online loan prerequisites based on the available information that the Bank has.
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ONLINE DINAR CASH LOANS |
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CLIENT TYPE |
BANK’S CLIENTS |
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LOAN AMOUNT |
Up to the level of creditworthiness of the loan applicant, and max up to RSD 500.000,00 |
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AGREED CURRENCY |
Dinar loan |
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REPAYMENT TERM |
Up to 36 months |
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NOMINAL INTEREST RATE, PER ANNUM |
From 7.95% to 9.95%, fixed |
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BANK FEE (% OF LOAN AMOUNT) |
1% |
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COLLATERAL |
Two blank promissory notes of the loan applicant |
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REPAYMENT TERM |
Monthly in dinars |
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EXAMPLE:
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ONLINE DINAR CASH LOANS |
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CLIENT TYPE |
BANK’S CLIENTS |
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LOAN AMOUNT |
RSD 300.000,00 |
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REPAYMENT TERM |
36 months |
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NOMINAL INTERES RATE, ANNUAL |
9.95%, fixed |
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BANK FEE (% OF LOAN AMOUNT) |
1% (RSD 3.000,00) |
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MONTHLY ANNUITY |
RSD 9.673,12 |
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TOTAL LOAN AMOUNT WITH INTEREST |
RSD 348.232,32 |
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EFFECTIVE INTEREST RATE |
11.27% |
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OTHER COSTS INCLUDED IN THE CALCULATION OF EFFECTIVE INTEREST RATE |
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COSTS OF OBTAINING CREDIT BUREAU REPORT |
RSD 246,00 |
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COSTS OF PROMISSORY NOTES’S ISSUE |
RSD 100,00 |
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Calculation made on 07.09.2018
*Representative example is calculated for regular clients of the Bank who receive their income through the account in Komercijalna Banka.
**The actual conditions of lending depend on the internal segmentation of the Bank’s clients. Please refer to the Bank’s digital office for the loan calculation - KOMeCENTAR T: 19939 | M:komecentar@kombank.com