Consumer loan indexed EUR
- Loan description
- Example for clients
- Loan Calculator
- I want this loan
Consumer loan indexed EUR
| Loan type | Consumer loan indexed in EUR with downpayment | |
| Currency | EUR | |
| Criteria for indexation | In RSD counter value according to the NBS middle exchange rate | |
| Loan amount | 200 - 8.000 EUR (net loan amount with no downpayment included) | |
| Downpayment | Minimum 30% downpayment of the pro-forma invoice/ invoice amount | |
| Repayment period | 24 - 84 months | |
| Interest rate (p.a.) | Clients** | Other |
| 13,06%, fixed | 15,56%, fixed |
| 6M EURIBOR + 13%, variable* | 6M EURIBOR + 15,50%, variable* |
| Collaterals | 3 (three) bills of exchange with ‘no protest’ clause | |
| Costs to be borne by the user are known at the moment of publication and are included in the calculation of effective interests rate | ||
| Loan processing fee | 2% of the loan amount, flat in advance, for clients of Banca Intesa 2,5% of the loan amount, flat in advance for nonclients | |
| 3 bills of exchange | 150 RSD | |
| Report from Credit Bureau | 246 RSD | |
| Costs to be borne by the user and which are not known at the moment of publication | ||
| No extra cost | ||
Example for clients
| Type of loan | Consumer loan indexed in EUR with downpayment | ||
| Currency | EUR | ||
| Criteria for indexation | In RSD counter value according to the NBS middle exchange rate | ||
| Amount of Pro-forma invoice | 1.500 EUR | 4.000 EUR | 7.000 EUR |
| Loan amount | 1.050 EUR | 2.800 EUR | 4.900 EUR |
| Downpayment | 450 EUR | 1.200 EUR | 2.100 EUR |
| Repayment period | 24 months | 48 months | 84 months |
| Monthly installment | 49.60 EUR | 74.21 EUR | 87.40 EUR |
| Interest rate (p.a.) | 13.06%, fixed | 13.06%, fixed first 24 months, and afterwards 6M EURIBOR + 13%, variable* | |
| EIR (p.a.) | 15,74% | 14,36% | 13,84% |
| Costs to be borne by the user are known at the moment of publication and are included in the calculation of effective interests rate | |||
| Loan processing fee | 21 EUR | 56 EUR | 98 EUR |
| 3 menice | 150 RSD | 150 RSD | 150 RSD |
| 3 bills of exchange | 246 RSD | 246 RSD | 246 RSD |
* Interest rate is reconciled on May 25 and November 25 with the value of 6M EURIBOR on the last date in the previous month (April/October) and applied for the next six-month period. Level of interest rate at disbursement of facilities is established on the basis of value of 6M EURIBOR which is applied for the current six-month period. When stating the interest rate the 6M EURIBOR is applied as of 30.4.2015 amounting to 0.06%.
Other calculations related to this product may be taken over at any branch of the Bank.
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at System.Web.UI.Util.CheckVirtualFileExists(VirtualPath virtualPath)
at System.Web.Compilation.BuildManager.GetVPathBuildResultInternal(VirtualPath virtualPath, Boolean noBuild, Boolean allowCrossApp, Boolean allowBuildInPrecompile, Boolean throwIfNotFound, Boolean ensureIsUpToDate)
at System.Web.Compilation.BuildManager.GetVPathBuildResultWithNoAssert(HttpContext context, VirtualPath virtualPath, Boolean noBuild, Boolean allowCrossApp, Boolean allowBuildInPrecompile, Boolean throwIfNotFound, Boolean ensureIsUpToDate)
at System.Web.Compilation.BuildManager.GetVirtualPathObjectFactory(VirtualPath virtualPath, HttpContext context, Boolean allowCrossApp, Boolean throwIfNotFound)
at System.Web.Compilation.BuildManager.CreateInstanceFromVirtualPath(VirtualPath virtualPath, Type requiredBaseType, HttpContext context, Boolean allowCrossApp)
at System.Web.UI.PageHandlerFactory.GetHandlerHelper(HttpContext context, String requestType, VirtualPath virtualPath, String physicalPath)
at System.Web.UI.PageHandlerFactory.System.Web.IHttpHandlerFactory2.GetHandler(HttpContext context, String requestType, VirtualPath virtualPath, String physicalPath)
at System.Web.HttpApplication.MapHttpHandler(HttpContext context, String requestType, VirtualPath path, String pathTranslated, Boolean useAppConfig)
at System.Web.HttpServerUtility.Execute(String path, TextWriter writer, Boolean preserveForm)
at System.Web.HttpServerUtility.Execute(String path, TextWriter writer, Boolean preserveForm)
at System.Web.HttpServerUtility.Execute(String path)
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