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Cash loan with insurance in Dinars

  • Loan amount up to 3,000,000 RSD

  • Insurance included

  • Without maintenance fee

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The use of credit products with variable interest rates indexed in foreign has risk of changing monthly annuities. These changes may occur due to a change in the variable part of the nominal interest rate or a change in the foreign exchange rate. On the following link, you can see how these changes would affect the overall repayment plan.

Details

Benefits and conditions

BENEFITS

  • Fixed interest: NIR from 8.95%, EIR from 9.62%
  • Loan amount: up to RSD 3,000,000
  • Repayment period: up to 83 months
  • Minimum Repayment Period: 12 months

 

WHICH ARE THE CONDITIONS TO GET THE LOAN

  • The offer is valid for new clients who open an account and transfer salary to UniCredit Bank, as well as for existing clients who already have an opened account and receive salary in UniCredit Bank.
  • Credit rating is determined depending on the amount of monthly income and obligations of the loan user.
  • For permanent employees: minimum 6 months of employment, of which at least 3 months for the current employer.
Terms for dinars cash loan with fixed interest rate with insurance
  • Loan Amount up to RSD 3,000,000, with the transfer of monthly salary on the account in UniCredit Bank
  • Repayment period: up to 95 months with fixed interest rate

Nominal interest rate, fixed:

  • fixed: 8.95% yearly, for period from 12 to 36 months
  • fixed: 9.45% yearly, for period from 37 to 72 months
  • fixed: 9.90% yearly, for period from 73 to 83 months

  • Loan Request Processing Fee, fixed: 0.2% with the transfer of monthly salary, with/without refinancing.
  • Loan Maintenance Fee, fixed: No fee (with salary transfer)

  • Mandatory collateral instruments:
    • Blank bill
    • Administrative ban
    • Credit protection insurance*

  • Criteria for indexing / revaluation of loans: none
  • The bank does not charge a fee for pre mature repayment
  • 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.

 

 

Documentation
  • Request for Loan approval*

  • For employess:
    • Employment Confirmation of loan applicant* (Download)
    • Administrative ban*
    • Salary Lists
    • Currents account statement for previous 3 months

*Documentation can be obtained at UniCredit Bank

Representative example for Dinars Cash Loans with fixed interest rate with insurance
Loan amount NIR annualy fixed EIR annualy Monthly installment fixed rate Loan maintenance fee P.A., fixed Administartive cost, fixed Total repaid amount
 Repayment period
500,000 RSD*

8.95%

9.67%

15,913.90 RSD

 No fee 0.2% of the loan ammount
 RSD 575,116.53

36 months
500,000 RSD*

9.45%

10.13%

9,156.35 RSD

 No fee 0.2% of the loan ammount RSD 661,521.87

72 months
1,000,000 RSD*

9.90%

10.60%

16,756.66 RSD

 No fee 0.2% of the loan ammount
 RSD 1,395,073.56

83 months

*The loan is without indexation. EIR is calculated on 30.12.2019

2% of the loan ammount, minimum RSD 1600
2% of the loan ammount, minimum RSD 1600
Costs

The cost of maintaining the acoount (in case the client is not already using RSD current account at the bank)variable:

  • RSD 149 per month

Account maintenance fee is variable in accordance with the Framework Agreement that User has signed with the Bank. The change will be applied from the date which is indicated as the date of application, and earliest after the expiration of 60 days upon notification of the User regarding the change, whereby if the Bank was not informed by User that he/she is not compliant with the change, it will be considered that User agrees with the new fee.

Other costs:

  • Price of the bill of exchange RSD 50 per bill*
  • Credit Bureau: RSD 246 (per report)*

* Estimated costs in dinars (absolute amount)

* Estimated costs in dinars (absolute amount)

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.

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
Benefits and conditions

BENEFITS

  • Variable interest: NIR from 6.63%, EIR from 7.09%
  • Loan amount: up to RSD 3,000,000
  • Repayment period: up to 83 months
  • Minimum Repayment Period: 12 months

 

WHICH ARE THE CONDITIONS TO GET THE LOAN

  • The offer is valid for new clients who open an account and transfer salary to UniCredit Bank, as well as for existing clients who already have an opened account and receive salary in UniCredit Bank.
  • Credit rating is determined depending on the amount of monthly income and obligations of the loan user.
  • For permanent employees: minimum 6 months of employment, of which at least 3 months for the current employer.
Terms for dinars cash loan with variable interest rate with insurance
  • Loan Amount up to RSD 3,000,000, with the transfer of monthly salary on the account in UniCredit Bank
  • Repayment period: up to 83 months with variable interest rate
  • Nominal interest rate, variable:

    3M Belibor** + fix margin 4.99%, for period from 12 to 36 months
    3M Belibor** + fix margin 5.29% for period from 37 to 72 months
    3M Belibor** + fix margin 5.59% for period from 73 to 95 months

  • Loan Request Processing Fee, fixed: 0.2% fixed with the transfer of monthly salary, with/without refinancing.
  • Loan Maintenance Fee, fixed: No fee (with salary transfer).

  • Mandatory collateral instruments:
    • Blank bill
    • Administrative ban
    • Credit protection insurance*

  • Criteria for indexing / revaluation of loans: none
  • The bank does not charge a fee for pre mature repayment
  • 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.

 

**3M BELIBOR + margin; 3M Belibor value on 31 December, 2019 amounts to 1,64%; 3M Belibor is adjusted quarterly every January 6th, April 6th, July 6th and October 6th until the end of repayment period, in the way to take 3M BELIBOR value defined at the market 2 working days before the date of adjustment. If the date of adjustment is during the weekend, it moves to the next working day. Margin is fixed. The method of calculating interest is proportional.

 

 

 

3M Belibor** + fix margin 3,56%, for period from 13 to 24 months
Documentation
  • Request for Loan approval*

  • For employess:
    • Employment Confirmation of loan applicant* (Download)
    • Administrative ban*
    • Salary Lists
    • Currents account statement for previous 3 months

*Documentation can be obtained at UniCredit Bank

Representative example for Dinars Cash Loans with variable interest rate with insurance
Loan amount NIR annualy variable EIR annualy Monthly installment fixed rate Loan maintenance fee P.A., fixed Administartive cost, fixed Total repaid amount Repayment period
500,000 RSD*

6.63%,3M Belibor** + fix margin 4.99%

7.12%

15,374.00 RSD

 No fee
 0.2% of the loan ammount
 RSD 557,572.51  

36 months
500,000 RSD*

6.93%,3M Belibor** + fix margin 5.29%

7.36%

8,530.64 RSD

 No fee 0.2% of the loan ammount
 RSD 618,439.69

72 months
1,000,000 RSD*

7.23%,3M Belibor** + fix margin 5.59%

7.67%

15,395.39 RSD

 No fee 0.2% of the loan ammount
 RSD 1,286,188.61

83months

*The loan is without indexation.

EIR is calculated on 6.1.2020

**3M BELIBOR + margin; 3M Belibor value on October 3rd, 2019 amounts to 1,98%; 3M Belibor is adjusted quarterly every January 6th, April 6th, July 6th and October 6th until the end of repayment period, in the way to take 3M BELIBOR value defined at the market 2 working days before the date of adjustment. If the date of adjustment is during the weekend, it moves to the next working day. Margin is fixed. The method of calculating interest is proportional.

 

2% of the loan ammount, minimum RSD 1600
2% of the loan ammount, minimum RSD 1600
Costs

The cost of maintaining the acoount (in case the client is not already using RSD current account at the bank)variable:

  • RSD 149 per month

Account maintenance fee is variable in accordance with the Framework Agreement that User has signed with the Bank. The change will be applied from the date which is indicated as the date of application, and earliest after the expiration of 60 days upon notification of the User regarding the change, whereby if the Bank was not informed by User that he/she is not compliant with the change, it will be considered that User agrees with the new fee.

Other costs:

  • Price of the bill of exchange RSD 50 per bill*
  • Credit Bureau: RSD 246 (per report)*

* Estimated costs in dinars (absolute amount)

* Estimated costs in dinars (absolute amount)

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.

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

Displayed results based on the inputs and parameters you entered into credit calculator can be used for informational purposes only and does not produce an obligation for the Bank to provide service. The calculation is shown in accordance with the General Business Conditions of the Bank which reserves the right to amend the provisions of this document. The Bank makes a decision on the provision of banking services in accordance with the conditions specified in the General Business Conditions and creditworthiness assessment.

In accordance with the Financial Services Consumer Protection Law, we would like to bring to your attention that providing of banking services indexed in foreign currency bears foreign exchange risk. In case of dinar strengthening, monthly installment amount will be lower, or it will be higher in the case of dinar depreciation.

 

*We offer you to make an appointment in order to find an alternative solution, since this type of loan cannot be approved on the basis of the parameters entered in the calculator.

 

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