Refinancing loan

Loan characteristics:Amount: 64,000 - 3,600,000 RSDNominal interest rate:

• For Payroll clients, for loan amount ≥ 600.000 dinara: 10.44%, variable (5.50% + 3m Belibor)*
• For Payroll clients, for loan amount <600,000 RSD: 11.94%, variable (7%+ 3mBelibor)*
• For Non Payroll clients: 16.94%, variable (3m Belibor +12.00%)*

EIR:

• For Payroll clients, for loan amount ≥ 600.000 dinara: from 11.12%,
• For Payroll clients, for loan amount <600,000 RSD: from 12.83%,
• For Non Payroll clients from 18.61

Tenor: 12 - 71 months

Loan fees:

• Disbursement fee: no disbursement fee
• Bill of exchange: 50 RSD
• Credit Bureau report: 246 RSD

Example:

Loan type (RSD)	Payroll loan	Payroll loan	Payroll loan	Non Payroll loan
Loan amount (RSD)	1,200,000	500,000	300,000	300,000
Tenor (months)	71	71	71	71
Disbursement fee	0%	0%	0%	0%
Installment (RSD)	22,650	9,815	5,889	6,679
Total paid amount (RSD)	1,608,454	697,174	418,423	474,479
NIR* (variable, annual)	11.13%	12.83%	12.85%	18.65%
EIR** (variable)	11.71%	13.42%	13.43%	19.27%

*The nominal interest rate is variable, annual and is defined as the sum of 3m Belibor and margin. **EIR is calculated using a value of 3mBelibor which is 4.94% as of 31.12.2024. The calculation of the EIR included: bill of exchange (50 RSD) and Credit Bureau report (246 RSD). Nominal interest rate is determined on a quarterly basis in January, April, July and October when the variable element is aligned with the values of the officially published reference rate on the last day of the month that precedes the month in which the adjustment is made The changed variable interest rate will be applied in the first accounting period that starts after the change. Conditions for Payroll clients refer to refinancing liabilities from another bank, or refinancing existing credit obligations within Eurobank Direktna with minimal amount of additional funds of 100,000 RSD.If you are interested in cash loan, have a look at our most superior cash loan ever: Cash loanVisit the nearest branch or call free Contact center number 0800 111144, where today you can schedule an appointment with our advisors.