Borrower

Bank's Clients

Other Clients

Loan Amount

From 3.000 EUR up to the amount of the client’s creditworthiness

Currency for Granting Loan

Indexation Criteria

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

Variablity of Nominal Interest Rate

Variable

Down Payment

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 6.000 EUR - one creditworthy guarantor

For loans over 3.000 EUR - one creditworthy guarantor

Possibility of Replacing

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

Pledge

Pledge for a vehicle which is the subject matter of crediting

Vehicle insurance

For the vehicles over 10.000 EUR

Compensation for Processing Loan Application

Variability

Fixed

Collaterals Expenses – two bills of exchange

Variability

Fixed

Credit Bureau Statement - Borrower

Variability

Fixed

Credit Bureau Statement - Guarantor

Variability

Fixed

Fee for Pension and Disability Fund Expenses

Variability