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Fixed cash loan

  • Fixed installment in the first 5 years of repayment
  • Tenor of up to 10 years
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Consumer loans /Fixed cash loan

Everything changes, but the installment stays the same!


If you need cash or simply want to refinance the existing credit obligations while keeping your monthly installment unchanged, we are offering a solution – Fixed cash loan with fixed interest rate in the first 5 years of tenor. You can decide to take a cash loan or a refinancing loan with the possibility of getting additional cash.

Why a Fixed cash loan?

Useful Information

Loan Agreement Terms

You can gain a loan if you are employed or a pensioner. Loans are approved in dinars, without an FX clause in the maximum amount of EUR 15.000 in RSD equivalent, calculated at the middle exchange rate of the NBS for EUR. Minimum monthly installment cannot be less than EUR 10 in dinar equivalent value.

Interest rate

Tenor

Application processing fee

Security instruments

Indicative examples for clients that receive their salaries or pensions via current account in Vojvođanska banka

 
Loan amount RSD 300,000
Tenor 72 months
Interest rate fixed for the first 60 months 10,50%
Interest rate after 60 months-variable* 9,90% (6M BELIBOR + 6,85%)
Annuity, in the first 60 months
Annuity, remaining tenor
RSD 5.633,70
RSD 5.615,78
Application processing fee 2% (min. 4.400 RSD)
Promissory notes cost RSD 100
Current account maintenance cost, monthly RSD 195
Credit Bureau Report RSD 246
Effective Interest Rate ** 11,88%
Effective Interest Rate *** 13,31%

*Loans with variable interest rates, without the FX clause, have the interest rate expressed as sum of key policy rate 6M BELIBOR (which is variable and depends on changes in the interbank market) and fixed margin.

**Clients who, at the moment of applying for loan, receive their salaries/pensions in the amount of min. 50% to the current account in Vojvođanska banka

*** Clients who, at the moment of applying for loan are opening a current account in Vojvođanska banka where their salaries/pensions will be deposited in the amount of min. 50%

Effective and nominal interest rates are expressed at the annual level.

The calculation was performed on August 31, 2018.

Key policy rates valid on August 15, 2018: 6M BELIBOR 3,05%

Indicative examples for clients that do not receive their salaries or pensions via current account in Vojvođanska banka

 
Loan amount RSD 300.000
Tenor 72 months
Interest rate fixed for the first 60 months 15,50%
Interest rate after 60 months-variable* 14,90% (6M BELIBOR + 11,85%)
Annuity , in the first 60 months
Annuity ,remaining tenor
RSD 6.425,25
RSD 6.405,10
Application processing fee 3,00% (min. RSD 4.400 )
Promissory notes cost RSD 100
Credit Bureau Report RSD 246
Effective Interest Rate 18,08%

*Loans with variable interest rates, without the FX clause, have the interest rate expressed as sum of key policy rate 6M BELIBOR (which is variable and depends on changes in the interbank market) and fixed margin.

Effective and nominal interest rates are expressed at the annual level.

The calculation was performed on August 15, 2018.

Key policy rates valid on August 15, 2018: 6M BELIBOR 3,05%