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Dinars cash loan

There are so many cash loans, and for you we have prepared special offer on market!

When interest rate is that low, every word is too much. You think about your needs, and we are here to help you to fulfill them.

Eligibility requirements

  • Offer is valid for new clients who open an account, apply for E banking service and transfer salaries or pensions in UniCredit Bank after 31.11.2015.
  • For fully employed: Minimum 6 months of employment status, and minimum 3 months of continuous employment status with the current employer
  • For pensioners: Minimum 3 months in pension, pension is directed to account in UniCredit.
  • Creditworthiness of the debtor is determined depending on the amount of monthly income and obligations of the debtor.

Terms for Dinars Cash Loans with insurance – variable interest rate

  • Minimum Loan Amount: RSD 500,000
  • Maximum Loan Amount: RSD 1,000,000
  • Deposit or down payment: 0%
  • Repayment period: from 13 months up to 84 months
  • Ability to refinance existing loans
  • Nominal interest rate, variable:
    3M BELIBOR* + margin 2.99% P.A. with the transfer of monthly salary/pension on the account in UniCredit Bank
  • Effective interest rate from 9.55%
  • *Belibor value on 4 th of April, 2016 amounts 3.28%
  • Loan Request Processing Fee, fixed: 3.50% minimum RSD 1,600, with the transfer of monthly salary/pension
  • Loan Request Processing Fee for refinancing, fixed:
    2.00% minimum RSD 1,600 with the transfer of monthly salary/pension on the account in UniCredit Bank
  • Loan Maintenance Fee, fixed:
    0.50% on the outstanding amount, which is charged annually (with salary/pension transfer)
  • Insurance*
  • Mandatory collateral instruments:
    Blank bill
  • For employees Administrative ban
  • The bank does not charge a fee for pre mature repayment
  • Margin is fixed
  • The method of calculating interest is proportional

* Insurance covers the loss of employment, a temporary inability to work due to an unexpected trouble event - an accident, permanent disability of 50% to 100% as a result of an unexpected trouble event - an accident, serious illness, insolvency of legal heirs

The cost of maintaining the account variable

  • 149 RSD monthly.
  • The cost of maintaining the account is changed once a year, on last working day of the first calendar quarter.
  • System relative to the change in annual rate of growth of consumer prices (data officially published on the NBS website - (www.nbs.rs).
  • The amount of the cost of maintaining the account increases in amount of 90% of total annual grow rate of consumer prices (inflation), or decreases in the amount of 90% of the height of deflation. In this way, the changed amount of the fee will apply from date of harmonizing the next 12 months.
  • The amount of the cost of maintaining the account is always rounded to a whole number, rounding to the lower decimal point.

The necessary documentation

  • Request for Loan approval*
  • For employed:
    • Employment Confirmation of loan applicant*
    • Administrative ban*
    • Salary Lists
    • Payment lists or abstract of current account in previous three months for debtor
  • For pensioners:
    • Pension checks for the last three months
    • Payment lists or abstract of current account in previous three months for debtor

*Documentation is available in UniCredit Branch or on this page click on DOCUMENTATION
For all additional information, please do not hesitate to contact us on our Contact Centre 011 3 777 888 or visit us in the branch offices of the UniCredit Bank JSC, throughout Serbia.

Important notice:

  • Change of the variable nominal interest rate which is determined by the change of the three-month EURIBOR value, is adjusted quarterly, every January 6th , April 6th , July 6th and October 6th until the end of repayment, in the way to take the three-month EURIBOR value as defined in the market 2 working days before the date of adjustment. If the date of adjustment falls on weekend, it moves to the next working day.
  • 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

Dinars cash loan with insurance with transfer of salary/pension - variable interest rate

Loan amount NIR annually variable EIR annually Monthly installment with NIR Loan Request Processing Fee, fixed Loan Maintenance Fee, fixed Repayment period
500,000 RSD* 6.67% 3M BELIBOR** + margin fixed 2.99% 8.63% 7,488.80 RSD 0.50% 3.50% of the loan amount, minimum RSD 1600 84 months
1.000,000 RSD* 6.67% 3M BELIBOR** + margin fixed 2.99% 8.65%  14,977.61 RSD 0.50%  3.50%  of the loan amount, minimum RSD1600 84 months

* Loan without indexation

** Maintaining the current account for pensioners RSD 95 per month.
3M Belibor value on 4th of April, 2016 amounts to 3.28%. 3M Belibor is adjusted quarterly, every January 6th, April 6th, July 6th, October 6th. 3M BELIBOR value defined at the market 2 working days before the date of adjustment. Margin is fixed.
The method of calculating interest is proportional.

Plese note:

A representative example is only for the case when it approved a loan for the above amount.

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Make your banking transactions anytime and anywhere, from home, at work, while you are walking around town or on a lunch break, at home and abroad. With UniCredit Bank e-banking service, everything is much easier.

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Contacts

Contact Centre
+ 381 11 3777 888
Dialling this number is charged at the rate of a local call from any place in Serbia
HQ
Rajićeva 27-29,
11000 Beograd

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