Special offer within our segment of small business dedicated to cooperation with experts who offer professional services in the legal area: bookkeeping agencies, notaries and lawyers whose work by its nature has specific banking needs.
For the users of the packages Praktik and Prestiž we have prepared an offer that can not be missed. [1]
We have created a special package of products under very favorable conditions tailored to the companies operating in the field of legal, finance and other professional services.
Special package offer includes:
Investment loan of our Bank for purchase of office space, adaptation of the existing office space and expanding of capacities, and for similar long-term projects.
Current account overdraft with the lowest interest rate ever and no approval cost.
[1] Offer applies only to companies with annual turnover above 20 million dinars.
Daily banking offer
Following the needs of your business, we have created two types of business packages that will give you what you need for everyday business
Biznis PRAKTIK. Extended package which comes with numerous services
Biznis PRESTIŽ. The package which allows additional discounts on certain services from the bank offer
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For easier operation and finding the best solution for your company, you have your personal banker at disposal. He can always provide all the information on daily banking and financial support for the development of your business.
You can see more detailed information on all packages on the page Account packages.
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Additional information on investment offer
Investment loan
We have prepared a special favorable conditions for you because we know that the production companies often need to expand production capacity, space, and continuous investments in order to modernize its technology and so follow the market needs.
The currency of the loan: EUR, in dinar equivalent at the average exchange rate of NBS on the day of loan disbursement
Repayment period up to 120 months
Grace period up to 12 months. The interest is also calculated and charged on monthly basis during the grace period.
Variable interest rate for loan indexed in EUR 4,95% + six-month EURIBOR
Fee for loan processing: 0,5% of the loan amount
Collateral: Mortgage and Bills of exchange
Representative example of investment loan indexed in EUR
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
Leasing for purchase of vehicles
The right solution for you if you want to renew or expand your company’s fleet. We have prepared a unique offer with lower interest rates and easy approval process.
Current Account Overdraft
Current liquidity is one of the goals that are often not easy to meet. Collection of receivables is late, and many liabilities are coming due. As a solution for occasional financing of current liquidity and the occasional purchase of current assets we recommend current account overdraft.
Basic features of current account overdraft special offer :
Loan period: up to 12 months
Interest fee 16%
No administrative fee
Collateral: Bill of exchange
Representative example of current account overdraft
Representative example of current account overdraft
Amount
500.000 RSD
Overdraft maturity period
12 meseci
NIR annually
19% fixed
Overdraft (1%)*
5.000 RSD
Expenses related to loan approval, known at the moment of publishing
Debtor bill of exchange
100 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
22,48%
Total amount of overdraft (principal, interest and costs)***
607.036 RSD
EIR calculated on
06.05.2021.
*On the total approved overdraft amount
**Included in the EIR calculation for clients who opened the account when applying for overdraft
*** Total amount returned by the overdraft beneficiary at the end of the contractual period if the overdraft was used in its full amount in the course of 12 months
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?
If you have any questions or concerns, our experienced bankers are at your disposal.
Thanks for submitting a request our service will contact you soon.
Following the needs of your business, we have created three types of business packages that will provide you with what you need for everyday business.
Additional benefits and services to improve your business
Investment loan of the European Central Bank line for purchase of office space for your company. This loan is designed to finance long-term investment needs which we have prepared for you because we know that the legal sector requires continuous investment.
Short-term loan for liquidity and working capital that is granted quickly with minimal collateral and thus saves your time and money. For you we have prepared special favorable conditions and much lower interest rates.
Refinancing loanthat will help you consolidate all your liabilities, reduce the monthly instalment, extend the period of repayment and all under very favorable terms and better interest rates.
POS terminals that our bank gives you to use free of charge.
We also think about the individual needs of you as a company owner
50% lower account package maintenance costs for natural persons
Leasing for purchase of vehicles with reduced interest rates and with a fast approval process.
Mixed life insurance gives you the possibility to insure yourself and your family, and to save at the same time
Employees are the foundation of your company. Benefits that they have with us are:
Favorable interest rates for housing, cash and refinancing loans
Lower costs of loan products approval
Account package maintenance can be reduced even 50% or completely free of charge if you use your debit card for paying.
Do you have any additional questions?
Write to us using our online contact form, and we will contact you.
Thanks for submitting a request our service will contact you soon.
