Short-term revolving credit line
Revolving credit line is intended for financing of working capital, payments to foreign suppliers and maintaining of liquidity.
Short-term revolving credit line features
- The minimum credit line is 3.000 EUR
- Credit line maturity is 12 months
- Annual fixed interest rate: 8,65% for RSD loans
- Annual fixed interest rate: 7,5% for RSD loans with currency clause and foreign currency loans
- Repayment of interest rate is on monthly basis
- Loan processing fee: 1% of the amount of the approved line, once
The currencies in which the loan is granted are RSD and EUR, for payments to foreign suppliers.
Representative examples for the short-term revolving credit lines
| Representative example of revolnig credit line in RSD | |
| Revolving credit line amount | 1.000.000 RSD |
| Revolving credit line maturity | 12 months |
| NIR annually | 8,65% |
| Fee for loan processing (1%)* | 10.000 RSD |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 500 RSD |
| Owner bill of exchange | 50 RSD |
| Debtor Credit Bureau report: | 600 RSD for entrepreneur, 1440 for corporate |
| Owner Credit Bureau report: | 246 RSD |
| Tax certification fee | 640 RSD |
| Monthly fee for current account** | 450 RSD |
| EIR annually | 10,98% |
| Total amount of loan (principal, interest and costs)*** | 1.103.936 RSD |
| EIR calculated on | 06.05.2021. |
*On the total approved loan amount **Included in the EIR calculation for clients who opened the account when applying loan *** Total amount returned by the revolving credit line beneficiary at the end of the contractual period if the revolving credit line was used in its full amount in the course of 12 months
| Representative example of revolnig credit line in EUR | |
| Revolving line amount* | 10.000 EUR |
| Revolving line maturity period | 12 months |
| NIR annually | 7,50% |
| Fee for loan processing (1%)** | 100 EUR |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 500 RSD |
| Owner bill of exchange | 50 RSD |
| Debtor Credit Bureau report | 600 RSD for entrepreneur, 1440 for corporate |
| Owner Credit Bureau report | 246 RSD |
| Tax certification fee | 640 RSD |
| Monthly fee for current account*** | 450 RSD |
| EIR annually | 9,59% |
| Total amount of loan (principal, interest and costs)**** | 10.913 EUR |
| EIR calculated on | 06.05.2021. |
* The Bank adjusts the outstanding loan amounts indexed in EUR with variations in NBS middle exchange rate for EUR each last day of the month, by applying the exchange rate valid on the respective date against the exchange rate that was in effect on the last day of the previous month, except for the first month when adjustment is made according to the exchange rate that was in effect on the day of loan disbursement. **On the total approved loan amount ***Included in the EIR calculation for clients who opened the account when applying loan **** Total amount returned by the revolving credit line beneficiary at the end of the contractual period if the revolving credit line was used in its full amount in the course of 12 months
Calculate your instalment on the assumption of the exchange rate change
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Loan for working capital and maintenance of liquidity
The loan for working capital and maintenance of liquidity is approved quickly and with minimal collateral instruments. Save your time and focus your attention to the important aspects of your business
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