Loans

Contact us

Contact us via
On-line help desk

Home / Retail / Loans / Consumer Loan / Consumer Loan (no Clause) /

Consumer Loan–no Currency Clause

Type of Loan

Consumer Loan - no Currency Clause

Borrower

Bank's Clients

Other Clients

Loan Amount

From 50.000,00 RSD up to the amount of the client’s creditworthiness

Period

6 – 84 months

Currency for Granting Loan

RSD

Indexation Criteria

No Indexation

Annual Nominal Interest Rate

2w repo+9,00%

2w repo+14,00%

Variablity of 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 600,000.00 RSD - one creditworthy guarantor

For loans over 300,000.00 RSD - one creditworthy guarantor

Possibility of Replacing

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

Fees and other Expenses

Compensation for Processing Loan Application

1,50%

2,50%

Variability

Fixed

Collaterals Expenses – two bills of exchange

100,00 RSD

Variability

Fixed

Credit Bureau Statement - Borrower

205,00 RSD

Variability

Fixed

Credit Bureau Statement - Guarantor

85,00 RSD

Variability

Fixed

Fee for Pension and Disability Fund Expenses

1,18%

Variability

Fixed

Representative Example of Consumer loan - no Currency Clause