Costs borne by the client are known at the moment of announcement and are part of effective interest rate calculation:**
Promissory notes cost –RSD 50 per promissory note
Promissory notes registration costs (apply only to promissory notes of legal entities/entrepreneurs): RSD 50 per promissory note
Credit Bureau report: RSD 600 for entrepreneur, RSD 246 for guarantor - natural person, RSD 1.440 for guarantor – legal entity
Tax Administration certificate of paid taxes (Tax Certificate): RSD 620
**The costs of Bank’s services are fixed, except for the current account maintenance fee. Current account maintenance fee is RSD 399/month and is part of effective interest rate calculation only in case when a client did not have an account with Vojvođanska bank prior to applying for a loan product. Current account maintenance fee is variable and depends on fluctuation of Consumer price index published by the Statistical Office of the Republic of Serbia. Harmonization of the fee with the consumer price index is done once a year in January and the Bank applies the newly harmonized fee from February, without the obligation of drafting a new Annex to the Agreement. The fee will be adjusted by the percentage equal to the change of consumer price index in the last 12 months. Costs paid by the client to third parties are variable and depend on tariff books of those third parties (e.g. Credit Bureau report fee, promissory notes, Tax Administration certificate of paid taxes, etc.).
