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Refinancing Loan–No Currency Clause

Type of Loan

Refinancing Loan–No Currency Clause

Borrower

Client with an open current account for the funds inflow based on regular monthly incomes.

Loan Amount

From 50,000.00 to up the creditworthiness limit of the client

Period

6 - 84 months

Currency for Granting Loan

RSD

Indexation Criteria

No Indexation

Annual Nominal Interest Rate

2w repo + 8,00%

Variablity of Nominal Interest Rate

Variable

Collaterals

Bill of Exchange

Two bills of exchange signed by the borrower and the guarantor

Garnishment

Two garnishments for the borrower and the guarantor

Guarantor

For loans over 750,000.00 RSD- one creditworthy guarantor

Replacement

The guarantor can be replaced by a real estate or warranty of a legal entity

Fees and Other Expenses

Fee for Processing Loan Application

1,00%

Variability

Fixed

Expenses – two bills of exchange

100,00 RSD

Variability

Fixed

Credit Bureau Statement for the Borrower

410,00 RSD

Variability

Fixed

Credit Bureau Statement for the Guarantor

85,00 RSD

Variability

Fixed

The fee for processing the current account*

Amount of monthly fees

100,00 RSD

Variability

Variable

Representative Example of Refinancing Loan–No Currency Clause