Investment loan
Investment loan is intended for investing into
long-term plans such as financing of fixed assets.
Investment loan features
Use the investment loan for purchase of equipment, vehicles or office space, renovation of an existing office space and refinancing of a loan at another bank.
- The minimum amount is 5.000 EUR1
- Minimum down payment is 20%
- Repayment period up to 10 years
- Up to 12 months grace period2
- Loan repayment in equal monthly annuities
- Variable interest rate at annual level for EUR investment loan with currency clause and FX investment loan: 4,95 % + 3M EURIBOR
- Variable interest rate at annual level for RSD investment loan: 8 % + 3M BELIBOR p.a.
- Loan processing fee: 1% of the realised amount
- The applicant should submit a written explanation of the investment (purpose of funding, main information regarding the investment, etc.)
Currencies in which loans are approved are RSD and EUR in the dinar counter value at the NBS middle exchange rate as of loan disbursement date.
In dinar equivalent at the average exchange rate of NBS on the day of submitting the application.
The interest is also calculated and charged on monthly basis during the grace period.
Representative example of investment loans
| Representative example for investment loan in EUR | |
| Total investment amount | 62.500 EUR |
| Down payment | 12.500 EUR |
| Loan amount* | 50.000 EUR |
| Repayment period | 120 months |
| NIR annually** | 4,95% + three-month EURIBOR |
| Monthly instalment | 516 EUR |
| Fee for loan processing (1%)*** | 500 EUR |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 250 EUR |
| Owner bill of exchange | 50 EUR |
| 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 |
| Issuing of real estate folio in the land register | 940 RSD |
| Real estate valuation***** | 11.800 RSD |
| Certification of pledge statement | 7.200 RSD |
| Mortgage registration | 22.020 RSD |
| Property insurance | 4.700 RSD |
| EIR annually | 5,33 % |
| Total loan amount ( (principal, interest, costs) | 64.027 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. **The interest rate is variable and consists of a reference rate -three -month EURIBOR, as a variable rate, and Bank’ margin as a fixed rate, in accordance with Bank’s Tariffs. Variable interest rate is adjusted on the first business day of each month for the current month, in accordance with changes in the reference BELIBOR rate which, on the day of calculation of the example on 06.05.2021. was -0,532% on annual basis. ***On the total approved loan amount ****Included in the EIR calculation for clients who opened the account when applying loan *****Every three year reissuing of real estate folio should be done
| Representative example for investment loan in RSD | |
| Total investment amount | 6.250.000 RSD |
| Down payment | 1.250.000 RSD |
| Loan amount | 5.000.000 RSD |
| Repayment period | 120 months |
| NIR annually* | 8% + three-month BELIBOR |
| Monthly instalment | 63.001 RSD |
| Fee for loan processing (1%)** | 50.000 RSD |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 250 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 |
| Issuing of real estate folio in the land register | 940 RSD |
| Real estate valuation**** | 11.800 RSD |
| Certification of pledge statement | 7.200 RSD |
| Mortgage registration | 22.020 RSD |
| Property insurance | 4.700 RSD |
| EIR annually | 10,19% |
| Total loan amount ( (principal, interest, costs) | 7.795.376 RSD |
| EIR calculated on | 06.05.2021. |
* The interest rate is variable and consists of a reference interest rate - six-month BELIBOR, as a variable rate, and Bank’ margin as a fixed rate, in accordance with Bank’s Tariffs. Variable interest rate is adjusted on the first business day of each month for the current month, in accordance with changes in the reference interest rate which, on the day of calculation of the example on 06.05.2021. was 0,87% on annual basis. **On the total approved loan amount ***Included in the EIR calculation for clients who opened the account when applying loan ****Every three year reissuing of real estate folio should be done
Calculate your instalment on the assumption of the variable part of the interest rate change and/or exchange rate change
Access the calculator of the National Bank of Serbia here
Do you have any additional questions?
Write to us using our online contact form, and we will contact you.
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