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Kredit za auto

Investment loans for private individuals

Online loans up to 600.000 RSD, without having to visit the bank.

Special offer until July 31st 2022

NIR 5.2% + 3m Belibor, EIR 7.41% - No loan application fee

Select the loan amount and apply

Apply for
the online loan up to 600.000 RSD

and realize the loan online, without coming to the bank.

Apply for
the loan over 600.000 RSD

and realize the loan by coming to the bank.

Check the conditions

Loan Terms and Conditions

Special offer until July 31st 2022

  • Type of loan: Investment Loan for private individuals
  • Loan currency:  RSD 
  • Indexing criteria: no criteria 
  • Loan amount: up to RSD 3,600,000  
  • Downpayment: none 
  • Repayment period: 12 - 60 months 
  • NIR (per annum, variable): 5.2% + 3m Belibor, 
  • EIR: 7.41% ,
  • Collateral: promissory note and administrative ban are not mandatory for loans up to 600,000 RSD;  promissory note and administrative ban are needed for loan amounts from 600,000 RSD up to RSD 2,400,000; promissory note, administrative ban and mortgage are needed for loan amounts from 2,400,000 up to 3,600,000.
  • Loan application processing fee: 0% 
  • Additional costs: 2 Promissory notes RSD 50, Credit Bureau Report RSD 246, Total Account Package maintenance fee RSD 595 

Disbursement in line with the Loan Agreement.
All examples are provided with the transfer of salary to an account held at ProCredit Bank and under our Total Package Account.

The stated conditions are of informative character.

For representative examples, the value of 3M Belibor was used 1,87% (as of June 1, 2022)

The Bank coordinates the annual nominal interest rate, which has been stipulated as variable, and which is linked to a reference interest rate, with the trends of the  three-month BELIBOR depending on the loan type.
Adjusting to the three-month BELIBOR are determined quarterly on 01.12, 01.03, 01.06. and 01.09. preceding the month in which the change shall start to apply, i.e. on the first subsequent working day if 01.12.,01.03.,01.06. and 01.09. are non-working days, and shall apply as of the first day in January, April, July, i.e. October. An exception to the rule defined in the previous paragraph are loans disbursed after the 01.12, 01.03, 01.06 and 01.09. in the months in which the three-month BELIBOR is executed in which case the new value of the three-month BELIBOR shall apply until the following three-month period as was previously described.

On the day of conclusion of the individual agreement with the client, the bank shall apply the value of the value of the three-month BELIBOR which are valid at the moment the agreement is concluded, and is determined as described above.

Examples of a loan


 

 

An example of a loan up to 600.000 RSD

 An example of a loan for 500.000 RSD

  • Type of loan: retail loan 
  • Loan currency:  RSD 
  • Indexing criteria: no criteria 
  • Loan amount: RSD 500,000
  • Downpayment: none 
  • Repayment period: 60 months 
  • NIR (per annum, variable): 5.2% + 3M Belibor, 
  • EIR: 7.41%
  • Disbursement fee 0%
  • Monthly instalment: 9,941 RSD
  • the total amount of credit that the client will repay after 60 months: 596.526 RSD
  • Collateral: none
  • Costs: Total Package Account maintenance fee RSD 595, 2 promissory notes RSD 50/each, Credit Bureau Report RSD 246

Disbursement in line with the Loan Agreement.                                   
All examples are provided with the transfer of salary to an account held at ProCredit Bank and under our Total Package Account.

For representative examples, the value of 3M Belibor was used 1,87% (as of June 1, 2022)

The Bank coordinates the annual nominal interest rate, which has been stipulated as variable, and which is linked to a reference interest rate, with the trends of the  three-month BELIBOR depending on the loan type.
Adjusting to the three-month BELIBOR are determined quarterly on 01.12, 01.03, 01.06. and 01.09. preceding the month in which the change shall start to apply, i.e. on the first subsequent working day if 01.12.,01.03.,01.06. and 01.09. are non-working days, and shall apply as of the first day in January, April, July, i.e. October. An exception to the rule defined in the previous paragraph are loans disbursed after the 01.12, 01.03, 01.06 and 01.09. in the months in which the three-month BELIBOR is executed in which case the new value of the three-month BELIBOR shall apply until the following three-month period as was previously described.

On the day of conclusion of the individual agreement with the client, the bank shall apply the value of the value of the three-month BELIBOR which are valid at the moment the agreement is concluded, and is determined as described above.

Representative example for loans over 600.000 RSD

An example of a loan for 1.000.000 RSD

  • Type of loan: retail loan 
  • Loan currency:  RSD 
  • Indexing criteria: no criteria 
  • Loan amount: RSD 1,000,000
  • Downpayment: none 
  • Repayment period: 60 months 
  • NIR (per annum, variable): 5.2% + 3m Belibor
  • EIR: 7.42%
  • Disbursement fee 0%
  • Monthly instalment: 19,884 RSD
  • Total loan amount that the client will repay after 60 months: 1,193,052 RSD
  • Collateral: for loans from RSD 600,000 to RSD 2,400,000, a promissory note and an administrative ban are required; for loans over RSD 2,400,000, a promissory note an administrative ban and a mortgage are required.
  • Costs: Total Account maintenance fee RSD 595, 2 promissory notes RSD 50/each, Credit Bureau Report RSD 246

Disbursement in line with the Loan Agreement.                                   
All examples are provided with the transfer of salary to an account held at ProCredit Bank and under our  Total package account

For representative examples, the value of 3M Belibor was used 1.87% (as of June 1, 2022)

The Bank coordinates the annual nominal interest rate, which has been stipulated as variable, and which is linked
to a reference interest rate, with the trends of the  three-month BELIBOR depending on the loan type.
Adjusting to the three-month BELIBOR are determined quarterly on 01.12, 01.03, 01.06. and 01.09. preceding the month in which the change shall start to apply, i.e. on the first subsequent working day if 01.12.,01.03.,01.06. and 01.09. are non- working days, and shall apply as of the first day in January, April, July, i.e. October. An exception to the rule defined in the previous paragraph are loans disbursed after the 01.12, 01.03, 01.06 and 01.09. in the months in which the three-month BELIBOR is executed in which case the new value of the three-month BELIBOR shall apply until the following three-month period as was previously described.

On the day of conclusion of the individual agreement with the client, the bank shall apply the value of the value of the three-month BELIBOR which are valid at the moment the agreement is concluded, and is determined as described above.

Purpose of the loan

  • Renovating, remodelling and adaptation of your home (flat/house)  
  • Purchasing home appliances
  • Purchasing furniture
  • Purchasing land to build a home on
  • Increasing the energy efficiency of your home - insulating your home, fitting new doors and windows, installing a heating and cooling system, solar system, etc.
  • Purchasing a car

NEW - Faster and Easier Loan Refinancing

Refinance your liabilities with another bank faster and easier - without having to visit the bank.

The National Bank of Serbia has issued Instructions allowing you to switch banks easily and to refinance your loan liabilities with a bank that offers the terms which suit you best.     We will assume all communication with the bank whose loan you wish to refinance, right up until loan closure.  
 

Find out more