You want to improve your business, and you think that you do not have the right a solution for this?

UniCredit Bank offers a solution in the form of Mortgage Loan for the improvement of your business!

This loan is designed for entrepreneurs, owners of attorney offices, medical ordinations, but as well in start up in entrepreneurs for these areas of business.

Loan is granted on the repayment period from 1 to 10 years, in the amount of EUR 2,000 to EUR 50,000, in the dinar countervalue.

The amount of loan approved is deposited in dinar counter value on the client’s current account.

Prerequisites

• Client is registered in Serbia
• The clients conducts its core business for a minimum of two years
• Account Package Profi opened in UniCredit Bank
• In case of entrepreneurs who maintain account ledgers, a positive business result for previous two years
• All tax liabilities have been settled and paid
• The owner is not younger than 22 or older than 65 years of age at the moment of repayment of last installment.
• For start up of medical ordinations and Attorney Offices minimum 5 years of experience as physical person (owner) in appropriate businesses for which will be taken a loan from a Bank

Terms

• Minimum Loan Amount: EUR 2,000, in dinar countervalue
• Maximum Loan Amount: EUR 50,000 in dinar countervalue
• Nominal interest rate: 18% annually
• Effective interest rate: from 21.66% annually
• Repayment period: from 1 to 10 years
• One time fee: 2%, minimum EUR 20
• Monitoring fee: 0.3% quarterly

Mandatory collateral instruments

• First class mortgage over the appropriate real-estate which ensures the ratio of 1:1.25 in case of mortgage over housing facility, or 1:2 in case of mortgage over business premises, accompanied by the insurance policy for the real-estate (which is subject to first class mortgage), assigned to the benefit of the Bank.
• Client is obliged to furnish life insurance policy, assigned to the benefit of the bank.
• Three certified bills (signed and stamped) by the entrepreneur owner.
• Two bills signed by the individual as an owner.

For all additional information, please do not hesitate to contact us via our Info telephone 011/3204-590 or visit one of our branch offices throughout Serbia.

Important notice:

• If you would like to get acquainted with the banking terminology in order to understand better our products and services, please visit official web site of National Bank of Serbia on the following link: www.tvojnovac.nbs.rs
• In accordance with the recommendation of the NBS, we would like to bring to your attention that the loans indexed in foreign currency (EUR, CHF) bears foreign exchange risk – in case of strengthening of dinar currency, the amount of monthly fee in dinar counter value will be lower, while in case of depreciation of dinar, the amount of monthly instalment will be higher in dinar countervalue.