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Investment Loans

How many times have you found yourselves in the situation where you cannot meet your clients needs, just because you do not have the adequate business premises or right equipment?

How many times have you found yourself saying that you would decorate your business premises in your own way if you just owned it?

With UniCredit Bank’s Investment Loan for Business Premises, you can organize and decorate your business premises in the way you have always wanted!

You just need to choose the repayment period and the amount which are most suitable to your wishes and needs.

After the approval, the loan amount will be deposited to your urrent account in dinar countervalue.

Prerequisites

  • Client is registered in Serbia
  • The client conducts its core business for a minimum of two years
  • Package Account Profi opened in UniCredit Bank
  • In case of entrepreneurs who maintain account ledgers, a positive business result for previous two years is necessary
  • All tax liabilities have been settled and paid.
  • Company’s account was frozen for maximum of 15 days

Terms

  • Minimum Loan Amount: EUR 10,000 in dinar countervalue
  • Maximum Loan Amount: EUR 300,000, in dinar countervalue
  • Nominal interest rate: 6M/12M EURIBOR + 4% annually *(12M EURIBOR is using for loans over EUR 100,000)
  • Effective interest rate: from 5.82% annually
  • Down payment: 20%
  • Repayment period: up to 7(up to 10 years, if the mortgaged residential building)
  • Grace period: 12 months
  • One time fee: 2%
  • Monitoring fee: 0.3% quarterly

Costs

The cost of maintaining the account (if the client is not already a user of RSD current account in the Bank), variable:

  • 499/799 RSD monthly
  • The cost of maintaining the account is changed once a year, on the last working day of the first calendar quarter
  • System relative to the change in the annual rate of growth of consumer prices (data officially published on the NBS website - www.nbs.rs).
  • The amount of the cost of maintaining the account increases in the amount of 90% of the total annual growth rate of consumer prices (inflation), or decreases in the amount of 90% of the height of deflation. In this way, the changed amount of the cost of maintaining the account is applied in the following year.
  • The amount of the cost of maintaining the account is always rounded to a whole number, rounding to the lower decimal point.

Other costs:

  • Cost of obtaining report from the Credit Bureau: 600.00 RSD Basic report for the legal person-entrepreneur (according to one report), based on a report on the guarantor 102.00 RSD (individual - owning entrepreneur) *
  • The cost of bill of exchange 50 RSD per bill *
  • The cost of property insurance 40 EUR*
  • The cost of life insurance 100 EUR per year*
  • The cost of the valuation of real estate 100 EUR*
  • The cost of certification pledge statement 10,080 RSD*
  • The cost of the license fee for the establishment of the mortgage 20,000 RSD*
  • The cost of acquiring land certificates 10 EUR*

*Estimated costs in dinars (absolute amount)

Mandatory collateral instruments

  • First class mortgage over the appropriate real-estate which ensures the ratio of 1:1.25 in case of mortgage over housing facility, or 1:2 in case of mortgage over business premises, accompanied by the insurance policy for the real-estate (which is subject to first class mortgage), assigned to the benefit of the Bank
  • Real-estate insurance policy (over which is constracted first class mortgage) vinculated in favor of the Bank.
  • Client is obliged to furnish life insurance policy, assigned to the benefit of the bank
  • Five certified bills (signed and stamped) by the entrepreneur owner
  • Two bills signed by the individual as an owner

Representative example

Loan amount NIR annually, variable
EIR annually Monthly installment, variable rate Loan maintenance fee P.A, fixed Administrative cost, fixed Repayment period
EUR 100,000 3,84% 6M EURIBOR** + margin fixed 4%
5,82%
EUR 1,007.45
0.30% 2% of the loan amount 120 months

 

**6M EURIBOR : Value of 6M Euribor on day 15.06.2016. is -0,159%. 6M Euribor is adjusted two times anually, 15.06. and 15.12, in the way to take 6M Euribor value defined at the market 2 working days before the date of adjustment. Margina je fiksna. 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.

EIR is calculated on 14.12.2016. The cost of the blank bill, credit bureau report, cost of insurance of real estate,cost appraisal of the property, cost of certification pledge statement, cost of land certificates, are included in EIR.

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

In accordance with the recommendation of the NBS, we would like to bring to your attention that the loans indexed in foreign currency (EUR, CHF) bears foreign exchange risk – in case of strengthening of dinar currency, the amount of monthly fee in dinar counter value will be lower, while in case of depreciation of dinar, the amount of monthly instalment will be higher in dinar counter value.

 

For all additional information, please do not hesitate to contact us via our Info telephone 011/ 3777 888 or visit one of our branch offices throughout Serbia.

How many times have you found yourselves in the situation that you cannot meet your clients’ or patients’ demands and needs, just because you do not have the right equipment?

UniCredit Bank offers you the right solution!

Now, with UniCredit Bank’s Investment Loan you can choose machinery and equipment which satisfy your needs, but requests of your clients as well.

Investment Loan for Machinery and Equipment is approved for a repayment period of up to 10 years, in an amount from EUR 10,000 to EUR 300,000, in dinar countervalue.

After the approval, the loan amount will be deposited to your current account, in dinar countervalue.

Prerequisites

  • Client is registered in Serbia
  • The client conducts its core business for a minimum of two years
  • Package Account Profi opened in UniCredit Bank
  • In case of entrepreneurs who maintain account ledgers, a positive business result for previous two years is necessary
  • All tax liabilities have been settled and paid
  • Company’s account was frozen for maximum of 15 days

Terms

  • Minimum Loan Amount: EUR 10,000 in dinar countervalue
  • Maximum Loan Amount: EUR 300,000 in dinar countervalue
  • Nominal interest rate: 6M/12M EURIBOR + 4% annually *(12M EURIBOR is using for loans over EUR 100,000)
  • Down payment: 20%
  • Effective interest rate: from 5.82% annually
  • Repayment period: up to 7 (up to 10 years, if the mortgaged residential building)
  • Grace period: 12 months
  • One time fee: 2%
  • Monitoring fee: 0.3% quarterly

Costs

The cost of maintaining the account (if the client is not already a user of RSD current account in the Bank), variable:

  • 499/799 RSD monthly
  • The cost of maintaining the account is changed once a year, on the last working day of the first calendar quarter
  • System relative to the change in the annual rate of growth of consumer prices (data officially published on the NBS website - www.nbs.rs).
  • The amount of the cost of maintaining the account increases in the amount of 90% of the total annual growth rate of consumer prices (inflation), or decreases in the amount of 90% of the height of deflation. In this way, the changed amount of the cost of maintaining the account is applied in the following year.
  • The amount of the cost of maintaining the account is always rounded to a whole number, rounding to the lower decimal point.

Other costs:

  • Cost of obtaining report from the Credit Bureau: 600.00 RSD Basic report for the legal person-entrepreneur (according to one report), based on a report on the guarantor 102.00 RSD (individual - owning entrepreneur)*
  • The cost of bill of exchange 50 RSD per bill*
  • The cost of property insurance 40 EUR*
  • The cost of life insurance 100 EUR per year*
  • The cost of the valuation of real estate 100 EUR*
  • The cost of certification pledge statement 10,080 RSD*
  • The cost of the license fee for the establishment of the mortgage 20,000 RSD*
  • The cost of acquiring land certificates 10 EUR*

* Estimated costs in dinars (absolute amount)

Mandatory collateral instruments

  • First class mortgage over the appropriate real-estate which ensures the ratio of 1:1.25 in case of mortgage over housing facility, or 1:2 in case of mortgage over business premises, accompanied by the insurance policy for the real-estate (which is subject to first class mortgage), assigned to the benefit of the bank
  • Real-estate insurence policy (under which is constructed first class mortgage) vinculated in favor of the Bank
  • Client is obliged to furnish life insurance policy, assigned to the benefit of the bank
  • Five certified bills (signed and stamped) by the entrepreneur owner
  • Two bills signed by the individual as an owner

Representative example

Loan amount NIR annually EIR annually Monthly installment, variable rate Loan maintenance fee P.A, fixed Administrative cost, fixed Repayment period
EUR 100,000 3,84% 6M EURIBOR** + margin fixed 4% 5,82%
EUR 1,007.45
0.30% 2% of the loan amount 120 months

 

**6M EURIBOR : Value of 6M Euribor on day 15.06.2016. is -0,159%. 6M Euribor is adjusted two times anually, 15.06. and 15.12, in the way to take 6M Euribor value defined at the market 2 working days before the date of adjustment. Margina je fiksna. 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.

EIR is calculated on 14.12.2016. The cost of the blank bill, credit bureau report, cost of insurance of real estate,cost appraisal of the property, cost of certification pledge statement, cost of land certificates, are included in EIR.

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

In accordance with the recommendation of the NBS, we would like to bring to your attention that the loans indexed in foreign currency (EUR, CHF) bears foreign exchange risk – in case of strengthening of dinar currency, the amount of monthly fee in dinar counter value will be lower, while in case of depreciation of dinar, the amount of monthly instalment will be higher in dinar counter value.

 

For all additional information, please do not hesitate to contact us via our Info telephone 011/ 3777 888 or visit one of our branch offices throughout Serbia.

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