Employees and pensioners whose regular monthly income is up to 100,000 RSD
|
Type of loan |
Long-term refinancing loan |
|
Purpose of the loan |
Refinancing of loan obligations on payment accounts, credit cards, loan parties, leasing – with the possibility of disbursing additional funds up to the approved amount |
|
Loan beneficiary* |
Employees and pensioners whose regular monthly income is up to 100,000 RSD |
|
Loan amount |
Without limitation, in accordance with the regular offer of API Bank a.d. Belgrade, and subject to creditworthiness conditions |
|
Loan currency |
RSD |
|
Loan indexation |
None |
|
Repayment period** |
From 13 to 36 months |
|
Down payment |
None |
|
Nominal interest rate (annual, fixed) |
7.50% |
|
Interest calculation method |
Proportional method |
|
Loan application processing fee |
No fee |
|
Loan repayment method |
Standing order, administrative ban, personal payment |
|
Monthly account maintenance fee*** |
150.00 RSD |
|
Early repayment fee |
No fee |
|
Other costs borne by the loan beneficiary |
– Credit Bureau Basic Report fee |
|
Collateral |
– Two promissory notes of the loan beneficiary |
Attention! Borrowing money costs.
* Salary transfer is not a requirement for loan approval
** Number of installments after the month in which the loan is disbursed. From the date of disbursement until the last day of that month, the Bank charges an interim interest in the amount equal to the nominal interest rate agreed for the loan.
*** The monthly fee is included in the APR calculation only if the Beneficiary does not have an open account with the Bank
