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Cash Loans–Currency Clause

Type of Loan

Cash Loan–Currency Clause

Borrower

Bank's Clients

Other Clients

Loan Amount

1.000,00 EUR – 10.000,00 EUR

Calculation 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

6 - 84 months

Amount of Deposit

30%

Annual Nominal Interest Rate

6M Euribor+12,50%

6M Euribor+17,50%

Variability of Annual Nominal Interest Rate

Variable

Collaterals

Bill of exchange

Two bills of exchange signed by the borrower and guarantor

Garnishment

Two garnishments for the borrower and guarantor

Guarantor

For loans over 5.000 EUR - one creditworthy guarantor

For loans over 2.500 EUR - one creditworthy guarantor

Possibility of Replacing

The guarantor can be replaced by mortgage or legal entity’s warranty

Fees and other Expenses

Fee for Processing Loan Application

1,50%

2,50%

Variability

Fixed

Two bills of exchange

100,00 RSD

Variability

Fixed

Credit Bureau Statement for the Borrower

205,00 RSD

Variability

Fixed

Credit Bureau Statement for the Guarantor

85,00 RSD

Variability

Fixed

Fee for Pension and Disability Fund Expenses

1,18%

Variability

Fixed

Representative Example of Cash Loans–Currency Clause