Account overdraft

You have the occasional need for a certain amount of money in addition to your monthly income? Want to have it always available, but also to return it by your own repayment schedule? If so, the account overdraft is the right solution for you! In order to apply for this product, it is necessary that you have received at least one salary/pension into your current account.

PRODUCT CHARACTERISTIC:

Maximum amount: Up to two monthly salaries/pensions
Repayment period: Up to 24 months
Nominal interest rate: 33.50% (EIR from 39.79%) for employees and 25.00% (EIR from 28.55%) for pensioners, users of the Golden Age package

Example:

1) Employees

Overdraft amount	Repayment period in months	Processing fee	NIR	EIR*	Total amount to be returned within 12/24 months if the client would use account overdraft in total amount durig 12/24 months
60.000 RSD	12	0	33.50% fixed	40.44%	87.373 RSD
60.000 RSD	24	0	33.50% fixed	40.21%	109.511 RSD

*within EIR are calculate bill exchange cost (50 RSD) and Credit Bureau report (246 RSD)

Example:

2) Pensioners, users of the Golden AGE package

Overdraft amount	Repayment period in months	Processing fee	NIR	EIR*	Total amount to be returned within 12/24 months if the client would use account overdraft in total amount durig 12/24 months
65.000 RSD	12	0 RSD	25.00 % fixed	29.12%	81.772 RSD
65.000 RSD	24	0 RSD	25.00% fixed	28.88%	98.293 RSD

*within EIR are calculate bill exchange cost (50 RSD) and Credit Bureau report (246 RSD)