Home improvement

Loan amount: 50.000 EUR

Currency: EUR

Down payment: min 20% or without down payment if pledge is property which is not subject of credit and whose market value is 30% higher than loan amount


Tenor: up to 240 months

Disbursement fee: 0%

Loan disbursement: 30% upon approval, 70% upon submission of invoice

Example:

	Loan amount	Tenor	Disbursement fee	Installment	NIR*	EIR*
Loans with NKOSK insurance	30.000	240	0%	222	6.31%	7.25%
Loans without NKOSK insurance	30.000	240	0%	224	6.44%	7.13%

*Interest rate is variable. On day 31.03.2023. value of 6mEuribor =3.34%.
**Nominal interest rate is determined on a quarterly basis in January, April, July and October, when the variable base is aligned with the values of official Reference rate on the maturity date of the monthly installments of the month when the alignment is done. Changed variable interest rate will be applied in the first accounting period that starts after the change.

Loan amount: 5.000.000 RSD

Currency: RSD

Down payment: min 20% or without down payment if pledge is property which is not subject of credit and whose market value is 30% higher than loan amount

Interest rate:

For loans with NKOSK insurance: NIR 9,67% variable (3mBelibor+4,20%)* ;EIR from 11,17%

Tenor: 120 months

Disbursement fee: 0%

Loan disbursement: 30% upon approval, 70% upon submission of invoice

Example:

	Loan amount	Tenor	Disbursement fee	Installment	NIR*	EIR*
Loans with NKOSK insurance	3.000.000	120	0%	39,340	9.67%	11.47%
Loans without NKOSK insurance	3.000.000	120	0%	41,902	11.17%	12.65%

*Interest rate is variable. For EIR calculation is used value of 3mBelibor which was on 31.03.2023. 5,47%.

**Level of the nominal interest rate is determined quarterly –in January, April, July and October in the way that variable element is to be aligned with the values of officially published reference rate on the last day of the month that precedes the month in which adjustment is made.Changed variable interest rate will be applied in the first accounting period that starts after the change.