To be active and live the way you want. With your experience and the special set of products we have prepared for you, everything will be simpler.
Eligibility requirements
- Debtor's creditworthiness is determined by the amount of monthly income and other obligations of the debtor
- Minimum of one month in retirement
- Pension transferred on an account opened in UniCredit Bank
- Loan amount: from RSD 20,000 up to RSD 2,000,000
- Repayment period: from 12 up to 71 months
- Interest rate:
NIR - variable, 3M BELIBOR + margin 7.89%
- Pension transfer to UniCredit Bank account is mandatory
- Loan request processing fee:
with variable interest rate - No fee
- Loan maintenance fee: No fee (with pension transfer)
- Mandatory collateral instruments:
Blank bill
Insurance (life insurance included); clients, loan beneficiaries will be insured in case of death (due to illness, accident) throughout the loan period, in accordance with the conditions of insurance that you can find in our branches
Documentation
- Request for Loan approval*
- Last Pension Checks
- Abstract from the current account for the last month
*Documentation is avilable in our branches
**3M Belibor value on 2 April 2021amounts to 0.88%.
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.
Reprezentative example with variable interest rate with or without refinancing
Loan amount
|
NIR annualy, variable
|
EIR annualy
|
Monthly installment |
Loan request processing fee, fixed |
Loan maintenance fee, fixed |
Total repaid amount |
Repayment period
|
|---|
| RSD 300,000* |
8.77% 3M BELIBOR** + fixed margin 7.89% |
9.33% |
RSD 5,453.70 |
No fee |
No fee |
RSD 387,524.46 |
71 months |
| RSD 600.000* |
8.77% 3M BELIBOR** + fixed margin 7.89% |
9.31% |
RSD 10,907.41 |
No fee |
No fee
|
RSD 774,702.75
|
71 months |
*Loan without indexation EIR is calculated on 2 April 2021
In following cost are included in the EIR calculation (expected costs in dinars on witch bank has no influence):
Cost of Credit Bureau Report - RSD 246
Bill of exchange - RSD 50 per bill
*Loan without indexation
**3M Belibor value on 4 January 2021 amounts to 0.90%. 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.
