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Representative Example - Consumer Loan-no Currency Clause

Type of Loan

Consumer Loan - no Currency Clause

Borrower

Bank's Clients

Other Clients

Loan Amount

700.000,00

Currency for Granting Loan

RSD

Indexation Criteria

No Indexation

Period

84 months

Annual Nominal Interest Rate

19,50%.*

24,50%.*

Variablity of Nominal Interest Rate

promenljiva

Effective Ineterest Rate

20,16%

26,29%

Annuity Amount

14.690,96 RSD

16.447,85 RSD

Fees and other Expenses

Compensation for Processing Loan Application

10.500,00 RSD

17.500,00 RSD

Two bills of exchange

100,00 RSD

Credit Bureau Statement - Borrower

205,00 RSD

Credit Bureau Statement - Guarantor

85,00 RSD

Fee for Pension and Disability Fund Expenses

8.260,00 RSD

* Nominal Interest Rate on 09.08.2012.

Effective Interest Rate on 09.08.2012.