Your children are growing and each year they are faced with ever increasing demand for higher educational standards and professional development. In order to help you meet these growing needs for improved knowledge and training imposed on young people by modern educational trends, Komercijalna banka offers you education loans that will help you provide high quality education for your children and other young people in your family and thus make their future secure.
Komercijalna banka a.d. Beograd extends consumer loans for education to its customers, as well as to private individuals who are not the Bank's clients.
With knowledge to a safe and secure future!
CONSUMER LOANS FOR EDUCATION WITH CURRENCY CLAUSE AND DOWN PAYMENT
CONSUMER LOANS FOR EDUCATION WITH CURRENCY CLAUSE AND DOWN PAYMENT
Terms and Conditions
The Bank's Customers
Others
Loan Amount
Up to pro forma invoice amount and up to credit capacity of the loan applicant, but not exceeding RSD 1.000.000,00
Repayment Term
Up to 60 months
Interest Rate
15,95% per annum, variable
19,95% per annum, variable
Bank's Fee and Commission
2,00% of the loan amount
Creditworthiness
Up to 30% of regular net monthly income/salary
Monthly Instalment
Monthly instalment is stated in EUR at the time the loan is disbursed;
Monthly instalment must be at least EUR 15,00 in dinar counter value
Collateral
Up to 19,99% of loan indebtedness comprising any and each loan liability (including the consumer loan application) – two blank promissory notes signed by the loan applicant
20% and more of loan indebtedness comprising any and each loan liability (including the consumer loan application) – two bills of exchange drawn in blank and signed by one creditworthy guarantor
2 bills of exchange drawn in blank signed by one credit worthy guarantor
Loan Disbursement
By crediting the seller's account
Down Payment
min 30% of pro forma invoice amount
Prepayment
2% of prepaid principal amount
Effective Interest Rate
18,26%
23,06%
CONSUMER LOANS FOR EDUCATION WITHOUT CURRENCY CLAUSE AND DOWN PAYMENT
CONSUMER LOANS FOR EDUCATION WITHOUT CURRENCY CLAUSE AND WITHOUT DOWN PAYMENT
Terms and Conditions
The Bank's Customers
Others
Loan Amount
Up to pro forma invoice amount and up to credit capacity of the loan applicant, but not exceeding RSD 1.000.000,00
Repayment Term
Up to 60 months
Interest Rate
21% per annum, variable
27% per annum, variable
Bank's Fee and Commission
2,00% of the loan amount
Creditworthiness
Up to 30% of regular net monthly income/salary
Monthly Instalment
Monthly instalment is stated in RSD at the time the loan is disbursed;
Monthly instalment must be at least RSD 1.500,00
Collateral
Up to 19,99% of loan indebtedness comprising any and each loan liability (including the consumer loan application) – two blank promissory notes signed by the loan applicant
20% and more of loan indebtedness comprising any and each loan liability (including the consumer loan application) – two bills of exchange drawn in blank and signed by one creditworthy guarantor
2 bills of exchange drawn in blank signed by one credit worthy guarantor
