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Consumer Loans
The feeling is always great!
Komercijalna banka grants consumer loans for various purposes, on very favourable terms both to clients of the Bank and to those who are not.
Loans are approved for: - purchase of consumer goods
- scholarships
- tourist, health and other services.
Consumer loans with FX clause
84 installments – 84 reasons to feel good!
| TYPE OF LOAN | CONSUMER LOANS WITH FX CLAUSE | | BANK'S CLIENTS | | AMOUNT OF LOAN | 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 84 months | | NOMINAL INTEREST RATE
per year, fixed | 14.50% | | BANK'S FEE | 2% of the amount of loan | | SECURITY INSTRUMENTS | Two blank promissory notes from the borrower | | LOAN REPAYMENT | Monthly, in dinar countervalue of EUR according to NBS middle rate on the day the monthly installment is due | | DOWN PAYMENT | 30% of the amount on pro-forma invoice |
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 | CONSUMER LOAN WITH FX CLAUSE | | AMOUNT ON PRO-FORMA INVOICE | EUR 2,000 | | DOWN PAYMENT (min 30%) | EUR 600 | | AMOUNT OF LOAN | EUR 1,400 | | REPAYMENT PERIOD | 20 months | | LOAN CURRENCY | Dinar loan indexed in EUR | | INDEXING CRITERIA | NBS middle exchange rate for EUR | | NOMINAL INTEREST RATE
per year, fixed | 14.50% | | BANK'S FEE (2% of the amount of loan) | EUR 28 | | MONTHLY INSTALLMENT | EUR 79.21 | | 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 | EUR 1,584.20 | | EFFECTIVE INTEREST RATE | 18.70% |
Calculation made as at 30/01/2013
Consumer loans without FX clause
Komercijalna banka grants consumer loans for various purposes, on very favourable terms both to clients of the Bank and to those who are not, with a repayment term of up to 77 months.
77 installments – 77 reasons to feel good! | TYPE OF LOAN | CONSUMER LOAN WITHOUT FX CLAUSE | | BANK'S CLIENTS | | AMOUNT OF LOAN | Up to the maximum amount that the client's credit rating allows, but not more than RSD 800,000 | | LOAN CURRENCY | Dinar loan | | REPAYMENT PERIOD | Up to 77 months | | INTEREST RATE | 19.50% per year, fixed
– for the first 36 months of repayment
6M BELIBOR + 7% per year, variable – after 36 months | | REVISION OF INTEREST RATE after 36 months | Interest rate tied to 6M BELIBOR is revised twice a year by applying a 6M BELIBOR or every 30/06 and 31/12 of the year. | | BANK'S FEE | 2% of the amount of loan | | SECURITY INSTRUMENTS | Two blank promissory notes from the borrower | | REPAYMENT | Monthly in dinars |
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 | CONSUMER LOANS WITHOUT CURRENCY CLAUSE | | AMOUNT OF LOAN | RSD 100,000 | | REPAYMENT PERIOD | 40 months | | LOAN CURRENCY | Dinar loan | | NOMINAL INTEREST RATE
per year | 19.50%, fixed – for the first 36 months
6M BELIBOR + 7%, variable - after 36 months | | BANK'S FEE (2% of the amount of loan) | RSD 2,000 | | MONTHLY INSTALLMENT | RSD 3,419.47 – for the first 36 months
RSD 3,417.46 - 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 136,770,76 | | EFFECTIVE INTEREST RATE | 23.28% |
Calculation made as at 03/01/2013
As at 31/12/2012 6M BELIBOR was 12.21%.
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