Short Term Loan in EUR

 

UniCredit Bank has a right solution for you, Short Term Loan indexed in EUR.

You just need to decide for the amount that suits the most your financial needs. Repayment period for Short Term Loan in EUR is up to 36 months.

After the approval, the loan amount will be deposited on your current account.

 

Prerequisites

  • Client is registered in Serbia
  • The client conducts its core business for a minimum of two years
  • Package Account Profi /Premium 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
  • The owner is not younger than 22 or older than 65 years of age at the moment of repayment of last installment
  • Company’s account was frozen for maximum of 15 days

Terms

  • Minimum Loan Amount: EUR 3,000
  • Maximum Loan Amount: EUR 300,000
  • Interest rate: from 4.2% annual (annuity/one-time payment)
    Repayment period: up to 36 months
  • Efective interst rate: from 6.87% annually
  • One time fee: 2%
  • Monitoring fee: 0.3%

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 *

* Estimated costs in dinars (absolute amount)

Mandatory collateral instruments

The Bank will combine different forms of collaterals depending on the amount of approved loan, client’s creditworthiness and total indebtedness of the client.

  • Bank will combine different types of ensurance depending on the amount of loan, clients credit capability and total debt that client has.
  • Certified bills (signed and stamped) by the Company (client’s) authorized official and owner;
  • A guarantee by another legal entity (bills certified by the guarantor’s authorized official).
  • 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

Representative example

Loan amount NIR annually EIR annually Monthly installment, variable rate Loan maintenance fee  P.A., fixed Administrative cost, fixed Repayment period
EUR 300,000 fixed 4.2%
6,88% EUR 8,890.89 0.30% 2% of the loan amount 36 months

The method of calculating interest is proportional.

EIR is calculated on 14.12.2016. The cost of the blank bill and a credit bureau report are included in calculation.

For all additional information, please do not hesitate to contact us via our Info telephone 011/3 777-888 or visit one of our branch offices throughout Serbia.

Important notice:

  • UniCredit Bank clients are able to refinance their consumer loans with dinar loans or loans indexed in EUR, without charging one time fee.
  • 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

Short Term Loan in RSD

 

You are an entrepreneur and you need an urgent financial support on a short period?

UniCredit Bank has a right solution for you, Short Term Loan in RSD.

This loan is approved on a repayment period of up to 36 months, and you just need to decide about the amount of the loan which goes from RSD 240,000 up to RSD 36.000,000.

After the approval, the loan amount will be deposited on your current account.

 

Prerequisites

  • Client is registered in Serbia
  • The client conducts its core business for a minimum of two years
  • Package Account Profi /Premium opened in UniCredit Bank
  • In case that entrepreneur maintains account ledgers, a positive business result for the previous two years
  • All tax liabilities have been settled and paid.
  • Company’s account was frozen for maximum of 15 days
  • The owner is not younger than 22 or older than 65 years of age at the moment of repayment of last installment

Terms

  • Minimum Loan Amount: RSD 240,000
  • Maximum Loan Amount: RSD 36,000,000
  • Interest rate:
    • variable from 3M BELIBOR + 3% annual (annuity/one-time payment)
    • fixed from 8.0% annually (annuity/one-time payment)
  • Repayment period: up to 36 months
  • Effective interest rate:
  • variable from 5.57% annually (annuity/one-time payment)
  • fixed from 11.07% annually (annuity/one-time payment)
  • One time fee: 2%
  • Monitoring fee: 0.3% quarterly

Cost

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 *

* Estimated costs in dinars (absolute amount)

Mandatory collateral instruments

The Bank will combine different forms of collaterals depending on the amount of approved loan, client’s creditworthiness and total indebtedness of the client.

  • Certified bills (signed and stamped) by the Company (client’s) authorized official and owner;
  • A guarantee by another legal entity (bills certified by the guarantor’s authorized official).
  • 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

Representative example

Working Capital Loan in RSD with variable interest rate

Loan amount NIR annually EIR annually Monthly installment, variable rate Loan maintenance fee  P.A., fixed Administrative cost, fixed Repayment period
RSD 36,000,000
6,51% 3M BELIBOR* + margin fixed 3%
9,42% RSD 1,104,851.76
0.30% 2% of the loan amount 36 months

*3M BELIBOR + margin; Belibor value on 06.10. 2016 amounts to 3.51%. 3M Belibor is adjusted quarterly, every January 6th, April 6th, July 6th, 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.

EIR is calculated on 14.12.2016. The cost of the blank bill and a credit bureau report are included in calculation.

Working Capital Loan in RSD with fixed interest rate

Loan amount
NIR annually  fixed
EIR annually
Monthly installment, variable rate
Loan maintenance fee P.A., fixed
   Administrative cost, fixed
Repayment period
36,000,000 RSD 8% 11.08% 1,129,756.11 RSD 0.30% 2% of the loan amount
36 months

The method of calculating interest is proportional.
EEIR is calculated on 14.12.2016. The cost of the blank bill and a credit bureau report are included in calculation.

 

For all additional information, please do not hesitate to contact us via our Info telephone 011/3 777-888 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
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