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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 December 31st 2022

NIR 5.2% + 3m Belibor, EIR 10,17% - 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 December 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: 10,17 % ,
  • 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 1.175.000 RSD ; promissory note, administrative ban and mortgage are needed for loan amounts from 1.175.000 RSD up to 2,350.000 RSD. For loans over 2,350,001 RSD, a promissory note, an administrative ban and a mortgage are required
  • Loan application processing fee: 0% 
  • Minimum salary: 53,000 RSD
  • Additional costs: Promissory note 50 RSD, Credit bureau report 246 RSD, Cost of maintenance Total account package 595 RSD (550 RSD special promotion until 31.08.2023)

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 a representative example, the value of 3 M Belibor 4.38% was used (as of December 1, 2022).

The bank adjusts the nominal annual interest rate, which is contracted as variable, to the movement of the three-month BELIBOR, depending on the type of loan. Alignment with the three-month BELIBOR is done quarterly, on December 1, March 1, June 1. and 01.09. which precede the months in which the change takes effect, i.e. on the first following working day if it falls on a non-working day and are valid from the first day of the month of January, April, July, or October. 01.06. and 01.09. in the months in which the three-month BELIBOR is determined, in which the newly determined value of the three-month BELIBOR will be applied and will be valid until the next three-month determination in the manner described. On the day of concluding an individual contract with the client, the Bank will apply the value of the six-month EURIBOR and the value of the three-month BELIBOR - which are valid at the time of concluding the contract, and are determined in the manner described above.

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 with salary above 53.000 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: 10,17%
  • Disbursement fee 0%
  • Monthly instalment: 10.554,49 RSD
  • the total amount of credit that the client will repay after 60 months: 633.269,25 RSD
  • Collateral: up to 600,000 rsd without promissory note, without administrative prohibition
  • Minimum salary: 53,000 RSD
  • Costs: Total Package Account maintenance fee RSD 595 (RSD 550 Special action until August 31st 2023), 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 3 M Belibor 2.86% (as of September 1, 2022) was used.

The bank adjusts the nominal annual interest rate, which is contracted as variable, to the movement of the three-month BELIBOR, depending on the type of loan. Alignment with the three-month BELIBOR is done quarterly, on December 1, March 1, June 1. and 01.09. which precede the months in which the change takes effect, i.e. on the first following working day if it falls on a non-working day and are valid from the first day of the month of January, April, July, or October. 01.06. and 01.09. in the months in which the three-month BELIBOR is determined, in which the newly determined value of the three-month BELIBOR will be applied and will be valid until the next three-month determination in the manner described. On the day of concluding an individual contract with the client, the Bank will apply the value of the six-month EURIBOR and the value of the three-month BELIBOR - which are valid at the time of concluding the contract, and are determined in the manner described above.

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 with salary above 53.000 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: 10,17 %
  • Disbursement fee 0%
  • Monthly instalment: 21,108.98 RSD
  • Total loan amount that the client will repay after 60 months: 1.266.638,47 RSD
  • Collateral: for loans from RSD 600,000 to RSD 1,175,000, two promissory notes and an administrative ban are required.
  • Minimum salary: 53,000 RSD
  • Costs: Total Account maintenance fee RSD 595 (RSD 550 Special action until August 31st 2023), 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 3 M Belibor 4.38% (as of December 1, 2022) was used.

The bank adjusts the nominal annual interest rate, which is contracted as variable, to the movement of the three-month BELIBOR, depending on the type of loan. Alignment with the three-month BELIBOR is done quarterly, on December 1, March 1, June 1. and 01.09. which precede the months in which the change takes effect, i.e. on the first following working day if it falls on a non-working day and are valid from the first day of the month of January, April, July, or October. 01.06. and 01.09. in the months in which the three-month BELIBOR is determined, in which the newly determined value of the three-month BELIBOR will be applied and will be valid until the next three-month determination in the manner described. On the day of concluding an individual contract with the client, the Bank will apply the value of the six-month EURIBOR and the value of the three-month BELIBOR - which are valid at the time of concluding the contract, and are determined in the manner described above.

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