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Overdraft

Account overdraft

Type of Loan

Account overdraft

Client Status

Bank’s Clients

Loan Amount

In the amount of average regular monthly net earnings based on earnings (pension) for the past three months, but not larger than the amount of the last monthly inflow to the account opened at the Bank based on earnings (pension).

Period

12 months

Currency

RSD

Criteria for Indexation / Loan Revaluation

No Indexation

Conditions for Granting Loan

minimum 18 years of age, maximum, including the planned repayment period of account overdraft, 75 years, except when they are granted after the end of the previous account overdraft

Nominal Interest Rate

26,82%G (2,00%M)

Variability of Nominal Interest Rate

Fixed

Nominal Interest Rate if unauthorised overdraft

69,59%G (4,50%M)

Collaterals

Bill of exchange

two bills of exchange

Fees and other costs

Compensation for Processing Loan application

1,00%

Variability

Fixed

Cost of Bill of Exchange

50,00 RSD

Variability

Fixed

Credit Bureau Statement

205,00 RSD

Variability

Fixed

In the event the client spends a larger amount of funds available on the current account (unauthorised overdraft), or exceeds the agreed loan amount, he or she is obliged to pay interest rate to the Bank for an unauthorised overdraft in the amount of 69.59% p.a. (4.50% p.m.) in addition to the agreed interest rate, fees and commissions and the fees and commissions to be applied for an unauthorised account overdraft.

Representative Example of Account Overdraft