|Montenegro |B&H |Meni najbliža |Kombank mBank |jobs |contact |site map |RSS | srpski


ACTUAL (serbian only - srb)
senka
Komercijalna banka on LinkedIn Komercijalna banka on Google+ Komercijalna banka on Facebook Komercijalna banka na Twitter-u Komercijalna banka on YouTube
srpska verzija  pošalji tekst  odštampaj tekst

Cash Loans


Cash – general purpose loans can be approved to the Bank's clients but also to natural persons who do not hold a current account with Komercijalna banka.

These loans are intended for either permanently employed or retired natural persons, with a possibility of repayment until the age of 70.

TYPE OF LOAN

CASH LOAN WITHOUT CURRENCY CLAUSE

BANK'S CLIENTS

AMOUNT OF LOAN

Up to the maximum amount that the applicant's credit rating allows, but not more than RSD 1.000,000

LOAN CURRENCY

Dinar loan

REPAYMENT PERIOD

Up to 99 months

NOMINAL INTEREST RATE

 per year

18.50%, fixed

– for the first 36 months of repayment

6M BELIBOR + 9.5%, variable – after 36 months

REVISION OF INTEREST RATE after the expiration of 36 months

twice a year, every six months adjustment of the interest rate from the date of loan disburment using the value of 6M BELIBOR defined two days before the adjustment

BANK'S FEE

2% of the amount of the loan

SECURITY INSTRUMENTS

Two blank promissory notes from the borrower

REPAYMENT

In monthly dinar installments


Other prospective clients can inform themselves of the conditions of the loan in the nearest branch of Komercijalna banka or by calling the Bank's Call Center.


EXAMPLE:


TYPE OF LOAN

CASH LOANS WITHOUT CURRENCY CLAUSE

AMOUNT OF LOAN

RSD 300,000

REPAYMENT PERIOD

60 months

LOAN CURRENCY

Dinar loan

NOMINAL INTEREST RATE

per year

18.5%, fixed – for the first 36 months

6M BELIBOR + 9.5%, variable – after 36 months

BANK'S FEE

(2% of the amount of loan)

RSD 6,000

MONTHLY INSTALLMENT

RSD 7.699,86 – for the first 36 months

RSD 7,670,90– after 36 months

SECURITY INSTRUMENTS

Two promissory notes from the borrower

COST OF OBTAINING REPORT FROM THE CREDIT BUREAU

RSD 246

COST OF ISSUING PROMISSORY NOTES

RSD 100

TOTAL AMOUNT OF LOAN INCLUDING INTEREST

RSD 461.296,56

EFFECTIVE INTEREST RATE

21,26%


As at 20/05/2014 6M BELIBOR was 8,61%.
Calculation made as at 21/05/2014.

TYPE OF LOAN

CASH LOAN WITH FX CLAUSE

BANK'S CLIENTS

AMOUNT

Up to the maximum amount that the applicant's credit rating allows

but not more than RSD 800,000

LOAN CURRENCY

Dinar loan indexed in EUR

INDEXING CRITERIA

NBS middle exchange rate for EUR

REPAYMENT PERIOD

up to 99 months

NOMINAL INTEREST RATE

per year, fixed

11.95%

BANK'S FEE

2% of the amount of the loan

SECURITY INSTRUMENTS

Two blank promissory notes from the borrower

REPAYMENT

Monthly, in dinar countervalue of EUR according to NBS middle rate on the day the monthly installment is due

FX DEPOSIT

30% of the amount of loan


Other prospective clients can inform themselves of the conditions of the loan in the nearest branch of Komercijalna banka or by calling the Bank's Call Center.

EXAMPLE:


TYPE OF LOAN

CASH LOAN WITH CURRENCY CLAUSE

AMOUNT

EUR 3,000

REPAYMENT PERIOD

60 months

LOAN CURRENCY

Dinar loan indexed in EUR

INDEXING CRITERIA

NBS middle exchange rate for EUR

NOMINAL INTEREST RATE

per year, fixed

11.95%

DEPOSIT (min 30%)

EUR 900

BANK'S FEE

(2% of the amount of the loan)

EUR 60

MONTHLY INSTALLMENT

EUR 66.66

SECURITY INSTRUMENTS

Two promissory notes from the borrower

COST OF OBTAINING REPORT FROM THE CREDIT BUREAU

RSD 246.00

COST OF ISSUING PROMISSORY NOTES

RSD 100

TOTAL AMOUNT OF LOAN INCLUDING INTEREST

EUR 3.999,60

EFFECTIVE INTEREST RATE

26,99%


Calculation made as at 21/05/2014



kontakt telefon  
Call Centre: 0700 800 900
kontakt email  
info
  • Cash Loans without currency clause
  • Consumer Loans
  • Housing Loans
  • Re-financing Loans
  • Loans for Vehicles
  • Loans for Business Premises
  • senka
    senka
    senka
    vaze od 09.07.2014.
    senka
    Terms of use
    osi.kombank.com | m.kombank.com

    Copyright © 1998-2014 Komercijalna banka a.d. Beograd
    Linkmedia
    vrh strane