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
Working Capital and Liquidity Maintenance Loan Features
Take advantage of the loan for working capital and maintenance of liquidity for financing of current needs, to refinance of loan you have with another bank or to make international payments.
- The minimum loan amount is 1000 EUR
1
- Up to 36 months repayment term
- Repayment of loan is in equal monthly instalments
- Interest rate for RSD loans for tenor up to 24 months 7,50 % p.a. fixed
- Interest rate for RSD loans for tenor from 24 months to 36 months 6 % + 3M BELIBOR p.a.
- Interest rate for RSD loans with currency clause and FX loans for tenor up to 24 months 6,15 % p.a. fixed
- Interest rate for RSD loans with currency clause and FX loans for tenor from 24 months to 36 months 6,15 % + 3M EURIBOR p.a.
- Loan processing fee 1 % one-time fee for loan amount up to EUR 19,9992
- Loan processing fee 0,75 % one-time fee for loan amount from EUR 20,000 to EUR 49,9993
- Loan processing fee 0,5 % one-time fee for loan amount over EUR 50,0004
The loan is approved in EUR (in the dinar counter value at the NBS middle exchange rate as of loan disbursement date), RSD and in foreign currency in the event of foreign payment.
In dinar equivalent at the average exchange rate of NBS on the day of submitting the application.
In the dinar counter value at the NBS middle exchange rate as of loan disbursement date
In the dinar counter value at the NBS middle exchange rate as of loan disbursement date
In the dinar counter value at the NBS middle exchange rate as of loan disbursement date
Representative example of loans for working capital and maintenance of liquidity
| Representative example of RSD loan for working capital and maintenance of liquidity with fixed interest rate | |
| Loan amount | 1.000.000 RSD |
| Repayment period | 24 months |
| NIR annually | 7,50% |
| Monthly instalment | 45.008 RSD |
| Fee for loan processing (1%)* | 5.000 RSD |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 350 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 | 10,11 % |
| Total amount of loan (principal, interest and costs) | 1.102.909 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
| Representative example of EUR loan for working capital and maintenance of liquidity with fixed interest rate | |
| Loan amount* | 10.000 EUR |
| Repayment period | 24 months |
| NIR annually | 6,15% |
| Monthly instalment | 444 EUR |
| Fee for loan processing (1%)** | 100 EUR |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 350 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 | 8,46% |
| Total amount of loan (principal, interest and costs) | 10.863 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
| Representative example of RSD loan for working capital and maintenance of liquidity with variable interest rate | |
| Loan amount | 1.000.000 RSD |
| Repayment period | 36 months |
| NIR annually* | 6% + three-month BELIBOR |
| Monthly instalment | 30.823 RSD |
| Fee for loan processing** | 10.000 RSD |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 350 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 | 9,01% |
| Total amount of loan (principal, interest and costs) | 1.137.748 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 BELIBOR 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
| Representative example of EUR loan for working capital and maintenance of liquidity with variable interest rate | |
| Loan amount* | 10.000 EUR |
| Repayment period | 36 months |
| NIR annually** | 6,15% + three-month EURIBOR |
| Monthly instalment | 303 EUR |
| Fee for loan processing | 100 EUR |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 350 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 | 7,50% |
| Total amount of loan (principal, interest and costs) | 11.146 EUR |
| EIR calculated on | 06.05.2021. |
* The interest rate is variable and consists of a reference interest 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 EURIBOR rate which, on the day of calculation of the example on 06.05.2021. was -0.531% on annual basis. **On the total approved loan amount ***Included in the EIR calculation for clients who opened the account when applying loan
Calculate your instalment on the assumption of the exchange rate change
Access the calculator of the National Bank of Serbia here
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