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Cash Loan for Pensioners

  • Account Package

  • Overdraft

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Benefits

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
Terms and Documentation
  • Loan amount: from RSD 20,000 up to RSD 2,000,000
  • Repayment period: from 12 up to 83 months
  • Interest rate:
    NIR - fixed interest rate 11.20%
  • Pension transfer to UniCredit Bank account is mandatory
  • Loan request processing fee:
    with fixed interest rate - No fee
  • Loan maintenance fee: No fee (with salary 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

Representative Example

Reprezentative example with fixed interest rate with our without refinancing

 

Loan amount
 NIR, annualy, fixed EIR, annualy Monthly installment Loan request processing fee, fixed
 Loan maintenance fee, fixed
 Total repaid amount Repayment period

RSD* 300,000

11.20%

12.02%

5,233.24 RSD

No fee

No fee

435,358.14 RSD

83 months

RSD* 600,000

11.20%

12.00%

10,466.48 RSD

No fee

No fee

870,370.13 RSD

83 months

 

*Loan without indexation EIR is calculated on 30 December 2019

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

Benefits

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
Terms and Documentation
  • Loan amount: from RSD 20,000 up to RSD 2,000,000
  • Repayment period: from 12 up to 83 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 October 2020 amounts to 1.02%.

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.

Representative example

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

300,000 RSD*

8.91% 3M BELIBOR** + fixed margin 7.89%

9.46%

4,874.15 RSD

No fee

No fee

405,123.32 RSD

83 months

600.000 RSD*

8.91% 3M BELIBOR** + fixed margin 7.89%

9.44%

9,748.30 RSD

No fee

No fee

809,900.55 RSD

83 months

*Loan without indexation EIR is calculated on 2 October 2020
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 2 July 2020 amounts to 1.04%. 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.

The results shown based on the information you enter into the credit calculator can only be used for informational purposes and do not give rise to any obligation on the part of the bank to provide banking services. The calculation is presented in accordance with the General Terms and Conditions and the Bank reserves the right to amend the provisions of the said document. The Bank decides to provide banking services in accordance with the terms and conditions set out in the General Terms and Conditions, based on its credit rating.

 In accordance with the Law on Protection of Financial Services Users, we would like to remind you that the provision of banking services indexed in foreign currency carries a certain exchange rate risk. In case of RSD appreciation, the monthly installment will be lower, while in case of RSD weakening, the monthly installment of the loan in RSD equivalent will be higher.

 * We suggest that you schedule an appointment to find an alternative solution, as this type of loan cannot be approved based on the parameters you enter into the calculator.

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