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Cash loan for pensioners

Cash Loan for Pensioners

  • Account Package

  • Overdraft

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Details

To be active and live the way you want. With your experience and a special set of products that we have prepared for you, everything will be simpler.

Benefits
Benefits and prerequisites
 
  • The debtor's creditworthiness is determined depending on the amount of the debtor's monthly income and obligations
  • The pensioner must be retired for at least 1 month
  • The pension should be directed to a payment account in UniCredit Bank

 

Terms and Documentation
  • Loan amount: from RSD 200,000 up to RSD 2,400,000
  • Repayment period: from 24 up to 71 months
  • Interest rate:
    NIR - fixed interest rate 12%
  • Pension transfer to UniCredit Bank account is mandatory
  • Loan request processing fee:
    with fixed interest rate - No fee
  • Loan maintenance fee: No fee 
  • 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

600.000 RSD

12,00%

13,43%

11.890,78 RSD

Bez naknade

Bez naknade

857.441,56 RSD

71 mesec

**EIR was calculated on March 25, 2025. 

Costs included in the EKS calculation:

  • Bill of exchange cost (100 RSD)  
  • The cost of obtaining a credit bureau report (246 RSD)
  • The cost of maintaining a monthly payment account with basic services (150 RSD)

*The insurance premium is paid by the Bank and this cost is not included in the EKS calculation.

Benefits

Benefits and prerequisites

  • The debtor's creditworthiness is determined depending on the amount of the debtor's monthly income and obligations
  • The pensioner must be retired for at least 1 month
  • The pension should be directed to a payment account in UniCredit Bank

 

Terms and Documentation
  • Loan amount: from RSD 200,000 up to RSD 2,400,000
  • Repayment period: from 24 up to 71 months
  • Interest: NKS - variable interest rate 3M Belibor** + margin 7.40%
  • Pension transfer to UniCredit Bank account is mandatory
  • Loan request processing fee:
    with variable interest rate - No fee
  • Loan maintenance fee: No fee
  • Mandatory collateral instruments:
  1. Blank bill
  2. 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 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 600,000*

12.08%

3M BELIBOR + margin fixed 7.40%

 12,98% RSD 11.916,06   No fee No fee RSD 847.191,92 71 months

***EKS was calculated on April 3, 2025. year.

 

Costs included in the EKS calculation:

 

  • Bill of exchange cost (100 RSD)  
  • The cost of obtaining a credit bureau report (246 RSD)
  • The cost of maintaining a monthly payment account with basic services (150 RSD)

 

**The insurance premium is paid by the Bank and this cost is not included in the EKS calculation.

*Value of 3M BELIBOR on April 3, 2025. is 4.68%. The change in the amount of the variable nominal interest rate, conditioned by the change in the value of the three-month BELIBOR, is carried out four times a year, every January 6, April 6, July 6 and October 6 until the end of repayment, by always taking the value of the three-month BELIBOR, which is defined on the market 2 working days before the adjustment date. If the adjustment date is a non-working day, the adjustment is made on the first following working day. The margin is fixed. The calculation method 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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