Intermezzo cash loan in dinars
Pause with the repayment of your installments when you need to
We are aware that there are months when you have large financial obligations such as car registration, going on a holiday, starting the new school year ... that is exactly why we have created a completely new model of cash loan, Intermezzo Cash, which enables you to pause with the repayment of the loan when you need to.
The procedure is simple. Just send a request to your sales advisor minimum 5 days before the installment falls due for payment and it is going to be delayed. You can delay the payment of the monthly installment once during the calendar year, and up to 5 times during the repayment period.
Free job loss insurance
- Loan description
- Example for clients
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| Type of loan | Cash loan with insurance with an option to delay payment of annuities in RSD | |
| Currency | RSD | |
| Criteria for indexation | No criteria | |
| Loan amount | 50.000 - 1.200.000 RSD | |
| Repayment period | 18 - 72 months (18, 24, 36, 48, 60, 72) | |
| Interest rate (p.a.) | Clients** | Other |
| 19,89% fixed | 24,50% fixed | |
| Collaterals | 1 bill of exchange | |
| 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 | |
| 1 bill of exchange Report from the Credit Bureau | 50 RSD 246 RSD | |
| Costs to be borne by the user and which are not known at the moment of publication | ||
| Fee for delayed payment of annuity: 0.5% of the remaining portion of the principal, individually for each request to delay the payment of the annuity. The amount of the fee is assigned to principal. | ||
Besides the Intermezzo cash loan, you get the insurance in case of involuntary loss of job with no additional charge and the insurance in case of permanent disability due to incident. You can obtain the General conditions of insurance in Bank’s branches.
| Type of loan | Cash loan with insurance with an option to delay payment of annuities in RSD | ||
| Currency | RSD | ||
| Criteria for indexation | No criteria | ||
| Amount | 100.000 RSD | 250.000 RSD | 450.000 RSD |
| Repayment period | 36 months | 48 months | 72 months |
| Monthly installment | 3.632 RSD | 7.387 RSD | 10.350 RSD |
| Interest rate (p.a.) | 19,89%, fixed | ||
| EIR (p.a.) | 21,10% | 20,73% | 20,50% |
| 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 | 1.000 RSD | 2.500 RSD | 4.500 RSD |
| 1 bill of exchange | 50 RSD | ||
| Report from Credit Bureau | 246 RSD | ||
* an individual who is receiving the salary onto the current account opened with Banca Intesa.
Other calculations related to this product may be taken over at any branch of the Bank.