API Bank Loans

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Short-term cash loan with a fixed interest rate

Short-Term Cash Loan with Fixed Interest Rate

Type of Loan	Short-term cash loan
Purpose of Loan	Non-purpose loan
Loan Beneficiary	Employees and pensioners with regular monthly income
Loan Amount	From 10,000 to 450,000 RSD
Loan Currency	RSD
Indexation Method	None
Repayment Period*	From 3 to 12 months
Down Payment	None
Nominal Interest Rate (annual, fixed)	With an open payment account – 7.50% Without an open payment account – 9.50%
Interest Calculation Method	Proportional method
Loan Application Processing Fee	No fee
Repayment Method	Standing order, administrative ban, personal payment
Monthly Payment Account Maintenance Fee**	150.00 RSD
Early Repayment Fee	No fee
Other Costs Payable by the Borrower	– Cost of Basic Credit Bureau Report – Cost of promissory notes, 2 pieces
Collateral	– Two promissory notes of the borrower – Administrative ban

Attention! Borrowing money costs.

REPRESENTATIVE EXAMPLE

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Last name *

Date of birth *

Phone number *

E-mail *

City *

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Type of loan	Short-term cash loan
Nominal interest rate*	With an open payment account		Without an open payment account
	7.50%		9.50%
Effective interest rate	With an open payment account		Without an open payment account
	7.92%		10.09%
Currency of the loan agreement	RSD
Loan indexation method	None
Loan amount	450,000.00 RSD
Repayment period*	12 months
Number of installments	12
Monthly installment	With an open payment account	Without an open payment account
	39,040.84 RSD	39,457.58 RSD
Total amount to be repaid by the client	With an open payment account	Without an open payment account
	470,962.79 RSD	476,530.80 RSD
Total cost of the loan for the client (interest + fees)	With an open payment account	Without an open payment account
	20,962.79 RSD	26,530.80 RSD
Costs borne by the Loan User	– Cost of the Basic Credit Bureau Report – 246 RSD – Bill of exchange fees, 2 items – 100 RSD
Collateral	– Two promissory notes of the loan user – Administrative ban