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Kredit za auto

Loans for private individuals

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

One loan to cover all your needs!

Special offer from January 1st to April 30th 2022

NIR 5,2% + 3m Belibor, EIR 6,39% - No loan application fee

Select the loan amount and apply

Apply for
the oline 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 from January 1st to April 30th 2022

  • Type of loan: 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: 6,39% 
  • Collateral: no need for bill of exchange and Attachment of Salary for loans up to 600,000 RSD;  bill of exchange and Attachment of Salary are needed for loan amounts from 600,000 RSD up to RSD 2,400,000; bill of exchange, Attachment of Salary and Morgage are needed for loan amounts from 2,400,000 up to 3,600,000.
  • Loan application processing fee: 0% 
  • Additional costs: Bill of exchange RSD 50, Credit Bureau Report RSD 246, Total Package maintenance fee RSD 550 

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 0.92% (as of December 1, 2021)

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, tha 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: 6,42%
  • Disbursement fee 0%
  • Monthly instalment: 9.714,00 RSD
  • the total amount of credit that the client will repay after 60 months: 582.879,39 RSD
  • Collateral: none
  • Costs: Total Account maintenance fee RSD 550, 2 bills of exchange 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.
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, tha 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: 6,40%
  • Disbursement fee 0%
  • Monthly instalment: 19.429 RSD
  • Total loan amount that the client will repay after 60 months: 1.165.758,84 RSD
  • Collateral: for loans from RSD 600,000 to RSD 2,400,000, a bill of exchange and an administrative ban are required; for loans over RSD 2,400,000, a bill of exchange, an administrative ban and a mortgage are required.
  • Costs: Total Account maintenance fee RSD 550, 2 bills of exchange 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

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, tha 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

One loan to cover all your needs!

  • 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 vehicle
  • Refinancing
  • and for everything else that’s important to you!
     

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