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Representative Example - Consumer Loan–Currency Clause with Down Payment

Type of Loan

Consumer Loan – Currency Clause with Down Payment

Borrower

Bank's Clients

Other Clients

Proforma Invoice

7.000,00

Loan Amount

4.900,00 EUR

Currency for Granting Loan

EUR

Indexation Criteria

Middle exchange rate of the National Bank of Serbia on the day of releasing the loan / maturity of annuity

Period

84 months

Down Payment

2.100,00 EUR

Annual Nominal Interest Rate

14,65%

19,65%

Annual Nominal Interest Rate

Variable

Efective Interest Rate

15,26%

21,53%

Annuity Amount

91,15 EUR

103,21 EUR

Fees and other Expenses

Compensation for Processing Loan Application

73,50 EUR

122,50 EUR

Collaterals Expenses – 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

82,60 EUR

Representative Example - Consumer Loan – Currency Clause with Deposit

Type of Loan

Consumer Loan – Currency Clause with Deposit

Borrower

Bank's Clients

Other Clients

Loan Amount

7.000,00

Currency for Granting Loan

EUR

Indexation Criteria

Middle exchange rate of the National Bank of Serbia on the day of releasing the loan / maturity of annuity

Period

84 months

Deposit

2.100,00 EUR

Annual Nominal Interest Rate

12,65%

17,65%

Variablity of Nominal Interest Rate

Variable

Efective Interest Rate

16,03%

24,41%

Annuity Amount

126,99 EUR

144,13 EUR

Fees and other Expenses

Compensation for Processing Loan Application

105,00 EUR

175,00 EUR

Collaterals Expenses – 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

82,60 EUR

* Nominal Interest Rate on 09.08.2012.

Effective Interest Rate on 09.08.2012.