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It is always the good time for Cash Loan

  • Loan amount up to 3.000.000 RSD

  • Repayment period up to 95 months

  • Refinancing option with additional means

Cash Loan calculator

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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 6.99%, EIR from 10,35%
  • Loan amount: up to RSD 3.000.000
  • Repayment period: up to 95 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: 6,99% yearly, for period up to 12 months, EIR from 11,56%
    fixed: 7,49% yearly, for period from 13 to 24 months, EIR from 10,35%
    fixed: 8,50% yearly, for period from 25 to 36 months, EIR from 10,87%
    fixed: 10,50% yearly, for period from 37 do 60 months, EIR from 12,63%
    fixed: 11,50% yearly, for period from 61 do 95 months, EIR from 13,47%

  • Loan Request Processing Fee, fixed: 2% minimum RSD 1,600, with the transfer of monthly salary, with/without refinancing.
  • Loan Maintenance Fee, fixed: 0,50% on the outstanding amount, which is charged annually (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 Repayment period
1.000.000 RSD*

6,99%

11,56%

86.563,40 RSD

 0,50% 2% of the loan ammount, minimum RSD 1600

12 months
1.000.000 RSD*

7,49%

10,35%

45.044,12 RSD

 0,50% 2% of the loan ammount, minimum RSD 1600

24 months
1.000.000 RSD*

8,50%

10,87%

31.265,01 RSD

 0,50% 2% of the loan ammount, minimum RSD 1600

36 months
1.000.000 RSD*

10,50%

12,63%

21.569,37 RSD

 0,50% 2% of the loan ammount, minimum RSD 1600

60 months
1.000.000 RSD*

11,50%

13,47%

16.170,43 RSD

 0,50% 2% of the loan ammount, minimum RSD 1600

95 months

*The loan is without indexation.

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 6.99%, EIR from 9,24%
  • Loan amount: up to RSD 3.000.000
  • Repayment period: up to 95 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
  • Period otplate: do 95 meseci sa fiksnom kamatom
  • Nominal interest rate, variable:

    3M Belibor** + fix margin 3,06%, for period up to 12 months, EIR from 10,43%
    3M Belibor** + fix margin 3,56%, for period from 13 to 24 months, EIR from 9,24%
    3M Belibor** + fix margin 4,60% for period from 25 to 36 months, EIR from 9,79%
    3M Belibor** + fix margin 6,60% for period from 37 to 95 months, EIR from 11,23%

  • Loan Request Processing Fee, fixed: 2% minimum RSD 1,600, with the transfer of monthly salary, with/without refinancing.
  • Loan Maintenance Fee, fixed: 0,50% on the outstanding amount, which is charged annually (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 4th of October, 2018 amounts to 2,93%; 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 fixed interest rate with insurance
Loan amount NIR annualy variable EIR annualy Monthly installment fixed rate Loan maintenance fee P.A., fixed Administartive cost, fixed Repayment period
1.000.000 RSD*

5,99%,3M Belibor** + fix margin 3,06%

10,43%

86.097,10 RSD

 0,50% 2% of the loan ammount, minimum RSD 1600 12 months
1.000.000 RSD*

6,49%,3M Belibor** + fix margin 3,56%

9,24%

44.584,01 RSD

 0,50% 2% of the loan ammount, minimum RSD 1600

24 months
1.000.000 RSD*

7,53%,3M Belibor** + fix margin 4,60%

9,79%

31.170,49 RSD

 0,50% 2% of the loan ammount, minimum RSD 1600

36 months
1.000.000 RSD*

9,53%,3M Belibor** + fix margin 6,60%

11,23%

15.102,07 RSD

 0,50% 2% of the loan ammount, minimum RSD 1600

95 months

*The loan is without indexation.

**3M BELIBOR + margin; 3M Belibor value on 4th of October, 2018 amounts to 2,93%; 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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