Loans for debt-refinancing of citizens on current accounts, credit cards and loans
- Loan description
- Example for clients
- I want this loan
| Loan type | Refinancing loan in RSD | |
| Currency | RSD | |
| Criteria for indexation | No criteria | |
| Loan amount | 25.000 - 1.200.000 RSD | |
| Deposit/Downpayment | No | |
| Repayment period | •6 - 72 months repayment period with the possibility of 3 or 6 months grace period | |
| Interest rate p.a. | Clients | |
| 19,89% fixed | ||
| Collaterals | - 1 bill 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 | 1 % of the amount of approved loan funds, flat in advance | |
| 1 bill of exchange | 50 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 costs | ||
Example for clients **
| Loan type | Refinancing loan plus cash loan in RSD with deposit | |||
| Currency | RSD | |||
| Criteria for indexation | No | |||
| Loan amount | 500.000 RSD | 500.000 RSD | 700.000 RSD | 700.000 RSD |
| Grace period | 6 months | / | 6 months | / |
| Repayment period | 66 annuities | 72 months | 66 anuiteta | 72 annuities |
| Monthly installment | 12.069 RSD(in grace period up to 7.763 RSD) | 11.479 RSD | 16.897 RSD (in grace period up to 10,868 RSD) | 16.070RSD |
| Interest rate (p.a.) | 19,89% fixed | |||
| EIR (p.a.) | 20,40% | 20,40% | 20,37% | 20,39% |
| Costs to be borne by the user are known at the moment of publication and are included in the calculation of effective interests rate | ||||
| 1 bills of exchange | 50 RSD | |||
| Report from Credit Bureau | 246 RSD | |||
When submitting Your loan request, You need Your ID card and depending on the working status, You need the following documents:
- Employees: employment and income level confirmation
- Self–employed persons: Certificate on the paid income tax and tax bases according to which the tax is paid; copy of the Income Tax Decision (original for inspection)
- Pensioners: pension cheques for 3 previous months
Besides the standard documentation, You need to provide a Bank certificate on the amount of loan debt i.e. debt on credit card that is being refinanced.