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Representative Example - Cash Loan with Currency Clause

Type of Loan

Cash Loan–Currency Clause

Borrower

Bank's Clients

Other Clients

Loan Amount

7.000,00

Currency

EUR

Indexation Criteria

the Bank applies the middle exchange rate of the National Bank of Serbia on the day of disbursing the loan, i.e, on the day of maturity of annuity

Period

84 months

Amount of Deposit

EUR

Annual Nominal Interest Rate

13,15%*

18,15%*

Variability of Annual Nominal Interest Rate

Variable

Effective Interest Rate

16,71%

25,13%

Amount of Annuity

125,15 EUR

142,23 EUR

Fees and other Expenses

Fee for Processing Loan Application**

105,00 EUR

175,00 EUR

Two bills of exchange

100,00 RSD

Credit Bureau Statement for the Borrower

205,00 RSD

Credit Bureau Statement for the Guarantor

85,00 RSD

Fee for Pension and Disability Fund Expenses**

82,60 EUR

* Nominal Interest Rate on 09.08.2012.

Effective Interest Rate on 09.08.2012.