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Cash loan for pensioners

Cash Loans and Refinancing Loans for Pensioners

  • Promotional offer in line with the supervisory expectations of the National Bank of Serbia

  • Life insurance included in the loan price

  • Fixed interest rate

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Details of Cash Loans and Refinancing Loans for Pensioners

Stay active and live the way you choose. With your experience and a dedicated set of products we have prepared especially for you, everything becomes simpler. Attention! Borrowing money incurs costs.

Benefits and Eligibility Conditions

Creditworthiness is assessed based on the amount of the borrower’s monthly income and existing financial obligations.

  • The pensioner must have been retired for at least one month
  • The pension must be paid into a UniCredit Bank payment account, at least in the amount of the monthly loan installment
Terms and Documentation

Loan amount: from RSD 100,000 to RSD 3,000,000

The refinancing loan is intended for the refinancing of all the client’s existing loan obligations.

Repayment period: from 12 to 71 months

Cash loans and refinancing loans with a fixed interest rate for pensioners:
Nominal Interest Rate (NIR): 10.50%, Annual Percentage Rate (APR) from 11.73%

One-time processing fee for fixed interest rate loans: no processing fee

Loan monitoring fee: no fee charged

Indexation / revaluation criterion: none

Interest calculation method: proportional

 

Collateral

  • Bill of exhange with a “without protest” clause
  • Life insurance* (life insurance included)
    Loan beneficiaries will be insured in the event of death (due to illness or accident) throughout the entire loan term, in accordance with the insurance terms available at UniCredit Bank branches.

 

Required Documentation

  • Loan application form*
  • Latest pension slip
  • Certified statement from the payment account for the previous month

* Documents can be obtained at any UniCredit Bank branch.

Note: The stated interest rates are valid until September 15, 2026.

 

Representative Example of a Loan for Pensioners with a Fixed Interest Rate in RSD, With or Without Refinancing
REPRESENTATIVE EXAMPLE OF A LOAN FOR PENSIONERS WITH A FIXED INTEREST RATE, WITH OR WITHOUT REFINANCING, IN RSD.
Business name UniCredit Bank
Loan amount 600.000 RSD
Nominal interest rate (NIR), annual, fixed 10,50%
EIR at the annual level 11,73%
Monthly installment amount, fixed interest rate 11.424,28 RSD
Total loan cost 227.019,55 RSD
Total amount payable by the client after the agreed loan repayment period 827.019,55 RSD
Repayment period (number of installments) 71 mesec
Bill of exchange 100 RSD
Cost of obtaining a credit bureau report 246 RSD
Administrative loan application processing fee No fee
Annual loan maintenance fee, fixed No fee
Monthly fee for maintaining a payment account with basic services 150 RSD
Loan collateral Bill of exchange
Life insurance
Loan indexation method The loan is approved in RSD, and the user is not exposed to the risk of changes in the RSD exchange rate.
  • Attention! Borrowing money incurs costs.  
  • The EIR was calculated as of September 15, 2025
CLIENT’S RIGHT TO WITHDRAW FROM A CONCLUDED AGREEMENT

The client, as a user of the Bank’s financial services, has the right to withdraw from a concluded loan agreement, revolving loan agreement, or leasing agreement within 14 days from the date of conclusion of the agreement, without stating the reason for withdrawal.

In the case of a housing loan agreement, or a loan agreement secured by a mortgage, the client may withdraw from the agreement provided that the loan or financing has not yet been utilized.

When exercising the right of withdrawal, and before the expiration of the aforementioned period, the client is required to notify the Bank of the withdrawal in a manner that confirms receipt of such notification, whereby the date of receipt of the notification shall be deemed the date of withdrawal from the agreement.
The notification must be submitted to the Bank in written form.

A client who withdraws from a loan agreement, overdraft agreement, or credit card agreement is obliged to immediately, and no later than within 30 days from the date of sending the withdrawal notice, repay the principal amount to the Bank and pay the regular interest under the agreement for the period during which the loan, overdraft, or credit card was used.

The results shown based on the information you enter into the credit calculator can only be used for informational purposes and do not give rise to any obligation on the part of the bank to provide banking services. The calculation is presented in accordance with the General Terms and Conditions and the Bank reserves the right to amend the provisions of the said document. The Bank decides to provide banking services in accordance with the terms and conditions set out in the General Terms and Conditions, based on its credit rating.

 In accordance with the Law on Protection of Financial Services Users, we would like to remind you that the provision of banking services indexed in foreign currency carries a certain exchange rate risk. In case of RSD appreciation, the monthly installment will be lower, while in case of RSD weakening, the monthly installment of the loan in RSD equivalent will be higher.

 * We suggest that you schedule an appointment to find an alternative solution, as this type of loan cannot be approved based on the parameters you enter into the calculator.

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