and refinancing loans
For all your plans Action offer in accordance with the supervisory expectations of the National Bank of Serbia
When you make new decisions, set new goals and make plans -
we are here to support you in making it happen.
BENEFITS
With our best pricing, your dreams are within reach. In line with the supervisory expectations of the National Bank of Serbia, UniCredit Bank has prepared promotional offers for cash loans with insurance, featuring a fixed interest rate for amounts up to RSD 1,500,000.
These offers are valid from April 21, 2026 to June 30, 2026, for both new and existing clients of the Bank.
WHAT ARE THE ELIGIBILITY CONDITIONS TO OBTAIN A LOAN?
The offers from the representative examples apply to clients who are permanently employed and who already receive, or will transfer, a portion of their salary to a current account with UniCredit Bank, at least in the amount of the monthly loan installment.
Creditworthiness is assessed based on the level of the borrower’s monthly income and existing financial obligations.
For permanently employed clients: a minimum of 12 months of continuous employment is required.
If the client has been employed by the current employer for less than 12 months, it is necessary to provide a written certificate of total employment history (Confirmation issued by the PIO Fund on the insured employment record), submitted in original form.
Interest rates vary depending on the type of employer with whom you are employed, as well as whether you are a new or existing client of UniCredit Bank.
Below you can find the promotional interest rates for cash loans and refinancing loans with insurance and a fixed interest rate for loan amounts up to RSD 1,500,000, as follows:
Loan amount: from RSD 100,000 to RSD 1,500,000
PURPOSE OF THE REFINANCING LOAN
The refinancing loan is intended for the refinancing of all existing loan obligations of the client.
REPAYMENT PERIOD
From 12 to 71 months
FEES
COLLATERAL
* Salary assignment is mandatory for new clients with a monthly salary below RSD 100,000 who apply for a cash loan exceeding RSD 600,000.
LOAN INSURANCE
Loan insurance is contracted by the borrower with an insurance company through the purchase of an individual insurance policy, which covers:
OTHER TERMS
The client concludes an individual loan insurance policy assigned in favor of the Bank, with the option to:
exclusively with monthly premium payments, covering job loss (unemployment), temporary incapacity for work (sick leave), and death due to an accident.
The insurance premium is paid by the client to the insurance company via a standing order, on a monthly basis, throughout the entire loan term.
NOTE
The insurance does not cover loans approved to self‑employed persons, business owners, or members of their immediate families.
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH INSURANCE AND A FIXED INTEREST RATE IN RSD | |
| Business name | UniCredit Bank |
| Loan amount | 600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,10% |
| EIR at the annual level | 9,43% |
| Monthly installment amount, fixed interest rate | 10.405,86 RSD |
| Total loan cost | 179.568,65 RSD |
| Total amount payable by the client after the agreed loan repayment period | 779.568,65 RSD |
| Repayment period (number of installments) | 71 months |
| 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 |
| Monthly loan insurance premium amount | 396,22 RSD |
| Loan collateral | Bill of exchange Administrative salary assignment* Loan insurance policy assigned in favor of the Bank |
| 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. |
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH INSURANCE AND A FIXED INTEREST RATE IN RSD | |
| Business name | UniCredit Bank |
| Loan amount | 600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,15% |
| EIR at the annual level | 9,49% |
| Monthly installment amount, fixed interest rate | 10.420,52 RSD |
| Total loan cost | 180.654,30 RSD |
| Total amount payable by the client after the agreed loan repayment period | 780.654,30 RSD |
| Repayment period (number of installments) | 71 months |
| 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 |
| Monthly loan insurance premium amount | 396,67 RSD |
| Loan collateral | Bill of exchange Administrative salary assignment* Loan insurance policy assigned in favor of the Bank |
| 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.
|
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH INSURANCE AND A FIXED INTEREST RATE IN RSD | |
| Business name | UniCredit Bank |
| Loan amount | 600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,30% |
| EIR at the annual level | 9,12% |
| Monthly installment amount, fixed interest rate | 10.464,59 RSD |
| Total loan cost | 173.417,23 RSD |
| Total amount payable by the client after the agreed loan repayment period | 773.417,23 RSD |
| Repayment period (number of installments) | 71 months |
| 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 loan insurance premium amount | 398,03 RSD |
| Loan collateral | Bill of exchange Loan insurance policy assigned in favor of the Bank |
| 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. |
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH INSURANCE AND A FIXED INTEREST RATE IN RSD | |
| Business name | UniCredit Bank |
| Loan amount | 600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,35% |
| EIR at the annual level | 9,18% |
| Monthly installment amount, fixed interest rate | 10.479,30 RSD |
| Total loan cost | 174.506,94 RSD |
| Total amount payable by the client after the agreed loan repayment period | 774.506,94 RSD |
| Repayment period (number of installments) | 71 months |
| 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 loan insurance premium amount | 398,49 RSD |
| Loan collateral | Bill of exchange Loan insurance policy assigned in favor of the Bank |
| 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. |
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.
BENEFITS
With our best pricing, your dreams are within reach. In line with the supervisory expectations of the National Bank of Serbia, UniCredit Bank has prepared promotional offers for cash loans with insurance and a fixed interest rate up to RSD 1,500,000, valid from April 21, 2026 to June 30, 2026, for both new and existing clients of the Bank.
WHAT ARE THE ELIGIBILITY CONDITIONS TO OBTAIN A LOAN?
The offer from the representative example applies to clients who are permanently employed and who already receive, or will transfer, a portion of their salary to a current account with UniCredit Bank, at least in the amount of the monthly loan installment.
Creditworthiness is determined based on the level of the borrower’s monthly income and financial obligations.
For permanently employed clients, a minimum of 12 months of continuous employment is required.
If the client has been employed by the current employer for less than 12 months, the client is required to submit a written certificate of total employment history (Confirmation issued by the PIO Fund on the insured employment record), provided in original form.
Interest rates vary depending on the type of employer with whom you are employed, as well as whether you are a new or existing client of UniCredit Bank.
Below you can find the promotional interest rates for cash loans and refinancing loans with insurance and a fixed interest rate for loan amounts above RSD 1,500,000, as follows:
Loan amount: from RSD 1,500,000 to RSD 5,000,000
PURPOSE OF THE REFINANCING LOAN
The refinancing loan is intended for the refinancing of all the client’s existing loan obligations.
REPAYMENT PERIOD
From 12 to 71 months
FEES
COLLATERAL
* Salary assignment is mandatory for new clients with a monthly salary below RSD 100,000 who apply for a cash loan exceeding RSD 600,000.
LOAN INSURANCE
Loan insurance is arranged by the borrower with an insurance company through the purchase of an individual insurance policy, covering:
OTHER TERMS
The client concludes an individual loan insurance policy assigned in favor of the Bank, with the option to:
exclusively with monthly premium payments, covering job loss (unemployment), temporary incapacity for work (sick leave), and death due to an accident.
The insurance premium is paid monthly by the client to the insurance company via a standing order, throughout the entire loan term.
NOTE
Insurance does not cover loans granted to self‑employed persons, business owners, or members of their immediate families.
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH INSURANCE AND A FIXED INTEREST RATE IN RSD | |
| Business name | UniCredit Bank |
| Loan amount | 1.600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 6,90% |
| EIR at the annual level | 8,86% |
| Monthly installment amount, fixed interest rate | 27.592,87 RSD |
| Total loan cost | 449.213,10 RSD |
| Total amount payable by the client after the agreed loan repayment period | 2.049.213,10 RSD |
| Repayment period (number of installments) | 71 months |
| 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 |
| Monthly loan insurance premium amount | 1.051,74 RSD |
| Loan collateral | Bill of exchange Administrative salary assignment* Loan insurance policy assigned in favor of the Bank |
| 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. |
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH INSURANCE AND A FIXED INTEREST RATE IN RSD | |
| Business name | UniCredit Bank |
| Loan amount | 1.600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 6,95% |
| EIR at the annual level | 8,92% |
| Monthly installment amount, fixed interest rate | 27.631,84 RSD |
| Total loan cost | 452.098,84 RSD |
| Total amount payable by the client after the agreed loan repayment period | 2.052.098,84 RSD |
| Repayment period (number of installments) | 71 months |
| 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 |
| Monthly loan insurance premium amount | 1.052,94 RSD |
| Loan collateral | Bill of exchange Administrative salary assignment* Loan insurance policy assigned in favor of the Bank |
| 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. |
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH INSURANCE AND A FIXED INTEREST RATE IN RSD | |
| Business name | UniCredit Bank |
| Loan amount | 1.600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,30% |
| EIR at the annual level | 9,11% |
| Monthly installment amount, fixed interest rate | 27.905,58 RSD |
| Total loan cost | 461.870,36 RSD |
| Total amount payable by the client after the agreed loan repayment period | 2.061.870,36 RSD |
| Repayment period (number of installments) | 71 months |
| 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 loan insurance premium amount | 1.061,43 RSD |
| Loan collateral | Bill of exchange Loan insurance policy assigned in favor of the Bank |
| 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. |
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH INSURANCE AND A FIXED INTEREST RATE IN RSD | |
| Business name | UniCredit Bank |
| Loan amount | 1.600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,35% |
| EIR at the annual level | 9,16% |
| Monthly installment amount, fixed interest rate | 27.944,82 RSD |
| Total loan cost | 464.775,39 RSD |
| Total amount payable by the client after the agreed loan repayment period | 2.064.775,39 RSD |
| Repayment period (number of installments) | 71 months |
| 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 loan insurance premium amount | 1.062,64 RSD |
| Loan collateral | Bill of exchange Loan insurance policy assigned in favor of the Bank |
| 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. |
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.
BENEFITS
With our best pricing, your dreams are within reach. In line with the supervisory expectations of the National Bank of Serbia, UniCredit Bank has prepared promotional offers for cash loans without insurance with a fixed interest rate up to RSD 1,500,000, valid from April 21, 2026 to June 30, 2026, for both new and existing clients of the Bank.
WHAT ARE THE ELIGIBILITY CONDITIONS TO OBTAIN A LOAN?
The offers from the representative examples apply to clients who are permanently employed and who already receive, or will transfer, a portion of their salary to a current account with UniCredit Bank, at least in the amount of the monthly loan installment.
Creditworthiness is determined based on the borrower’s monthly income and financial obligations.
For permanently employed clients, a minimum of 12 months of continuous employment is required.
If the client has been employed by the current employer for less than 12 months, the client is required to submit a written certificate of total employment history (Confirmation issued by the PIO Fund on the insured employment record), provided in original form.
Below you can find the promotional interest rates for cash loans and refinancing loans without insurance and with a fixed interest rate for loan amounts up to RSD 1,500,000, depending on the type of employer and whether you are a new or existing client of UniCredit Bank:
Loan amount: from RSD 100,000 to RSD 1,500,000
PURPOSE OF THE REFINANCING LOAN
The refinancing loan is intended for the refinancing of all the client’s existing loan obligations.
REPAYMENT PERIOD
From 12 to 71 months
FEES
COLLATERAL
* Salary assignment is mandatory for new clients with a monthly salary below RSD 100,000 who apply for a cash loan exceeding RSD 600,000.
OTHER TERMS
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH A FIXED INTEREST RATE IN DINARS WITHOUT INSURANCE | |
| Business name | UniCredit Bank |
| Loan amount | 600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,45% |
| EIR at the annual level | 8,38% |
| Monthly installment amount, fixed interest rate | 10.508,77 RSD |
| Total loan cost | 158.831,32 RSD |
| Total amount payable by the client after the agreed loan repayment period | 758.831,32 RSD |
| Repayment period (number of installments) | 71 months |
| 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 Administrative salary assignment* |
| 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. |
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH A FIXED INTEREST RATE IN DINARS WITHOUT INSURANCE | |
| Business name | UniCredit Bank |
| Loan amount | 600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,45% |
| EIR at the annual level | 8,38% |
| Monthly installment amount, fixed interest rate | 10.508,77 RSD |
| Total loan cost | 158.831,32 RSD |
| Total amount payable by the client after the agreed loan repayment period | 758.831,32 RSD |
| Repayment period (number of installments) | 71 months |
| 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 Administrative salary assignment* |
| 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. |
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH A FIXED INTEREST RATE IN DINARS WITHOUT INSURANCE | |
| Business name | UniCredit Bank |
| Loan amount | 600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,45% |
| EIR at the annual level | 7,84% |
| Monthly installment amount, fixed interest rate | 10.508,77 RSD |
| Total loan cost | 148.331,32 RSD |
| Total amount payable by the client after the agreed loan repayment period | 748.331,32 RSD |
| Repayment period (number of installments) | 71 months |
| 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 |
| Loan collateral | Bill of exchange |
| 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. |
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH A FIXED INTEREST RATE IN DINARS WITHOUT INSURANCE | |
| Business name | UniCredit Bank |
| Loan amount | 600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,45% |
| EIR at the annual level | 7,84% |
| Monthly installment amount, fixed interest rate | 10.508,77 RSD |
| Total loan cost | 148.331,32 RSD |
| Total amount payable by the client after the agreed loan repayment period | 748.331,32 RSD |
| Repayment period (number of installments) | 71 months |
| 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 |
| Loan collateral | Bill of exchange |
| 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. |
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.
For all additional information, please do not hesitate to contact us on our Info telephone 011/3777 888 or visit one of our branch offices throughout Serbia.
BENEFITS
With our best pricing, your dreams are within reach. In line with the supervisory expectations of the National Bank of Serbia, UniCredit Bank has prepared promotional offers for cash loans without insurance with a fixed interest rate up to RSD 1,500,000, valid from April 21, 2026 to June 30, 2026, for both new and existing clients of the Bank.
WHAT ARE THE ELIGIBILITY CONDITIONS TO OBTAIN A LOAN?
The offers from the representative examples apply to clients who are permanently employed and who already receive, or will transfer, a portion of their salary to a current account with UniCredit Bank, at least in the amount of the monthly loan installment.
Creditworthiness is determined based on the borrower’s monthly income and financial obligations.
For permanently employed clients, a minimum of 12 months of continuous employment is required.
If the client has been employed by the current employer for less than 12 months, the client is required to submit a written certificate of total employment history (Confirmation issued by the PIO Fund on the insured employment record), provided in original form.
Interest rates vary depending on the type of employer with whom you are employed, as well as whether you are a new or existing client of UniCredit Bank.
Below you can find the promotional interest rates for cash loans and refinancing loans without insurance and with a fixed interest rate for loan amounts from RSD 1,500,000, as follows:
Loan amount: from RSD 1,500,000 to RSD 5,000,000
PURPOSE OF THE REFINANCING LOAN
The refinancing loan is intended for the refinancing of all the client’s existing loan obligations.
REPAYMENT PERIOD
From 12 to 71 months
FEES
COLLATERAL
* Salary assignment is mandatory for new clients with a monthly salary below RSD 100,000 who apply for a cash loan exceeding RSD 600,000.
OTHER TERMS
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH A FIXED INTEREST RATE IN DINARS WITHOUT INSURANCE | |
| Business name | UniCredit Bank |
| Loan amount | 1.600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,45% |
| EIR at the annual level | 8,03% |
| Monthly installment amount, fixed interest rate | 28.023,39 RSD |
| Total loan cost | 405.473,43 RSD |
| Total amount payable by the client after the agreed loan repayment period | 2.005.473,43 RSD |
| Repayment period (number of installments) | 71 months |
| 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 Administrative salary assignment* |
| 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. |
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH A FIXED INTEREST RATE IN DINARS WITHOUT INSURANCE | |
| Business name | UniCredit Bank |
| Loan amount | 1.600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,45% |
| EIR at the annual level | 8,03% |
| Monthly installment amount, fixed interest rate | 28.023,39 RSD |
| Total loan cost | 405.473,43 RSD |
| Total amount payable by the client after the agreed loan repayment period | 2.005.473,43 RSD |
| Repayment period (number of installments) | 71 months |
| 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 Administrative salary assignment* |
| 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. |
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH A FIXED INTEREST RATE IN DINARS WITHOUT INSURANCE | |
| Business name | UniCredit Bank |
| Loan amount | 1.600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,45% |
| EIR at the annual level | 7,83% |
| Monthly installment amount, fixed interest rate | 28.023,39 RSD |
| Total loan cost | 394.973,43 RSD |
| Total amount payable by the client after the agreed loan repayment period | 1.994.973,43 RSD |
| Repayment period (number of installments) | 71 months |
| 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 |
| Loan collateral | Bill of exchange |
| 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. |
| REPRESENTATIVE EXAMPLE OF A CASH LOAN AND A REFINANCING LOAN WITH A FIXED INTEREST RATE IN DINARS WITHOUT INSURANCE | |
| Business name | UniCredit Bank |
| Loan amount | 1.600.000 RSD |
| Nominal interest rate (NIR), annual, fixed | 7,45% |
| EIR at the annual level | 7,83% |
| Monthly installment amount, fixed interest rate | 28.023,39 RSD |
| Total loan cost | 394.973,43 RSD |
| Total amount payable by the client after the agreed loan repayment period | 1.994.973,43 RSD |
| Repayment period (number of installments) | 71 months |
| 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 |
| Loan collateral | Bill of exchange |
| 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. |
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.
You do not have to waste your time to going to the branch. Download application for mobile banking and use banking services anytime, anywhere. You have overview of your accounts and transactions, bill payment and exchange office - in your mobile phone!
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