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Cash loans

and refinancing loans

Cash loan

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Cash loans and refinancing loans

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Cash loans and refinancing loans

Benefits and conditions

BENEFITS AND PREREQUISITES

The offer of Cash loans and loans for refinancing with CPI insurance and a fixed interest rate is valid for employed clients who already receive or transfer their earnings to UniCredit Bank

Creditworthiness is determined depending on the amount of monthly income and obligations of the borrower

For full-time employees: a minimum of 12 months of continuous employment. If the client is employed for an indefinite period with the current employer for less than 12 months, it is necessary to submit a written certificate of the client's total working experience (Certificate of the PIO Fund on the employee's insurance experience) issued in the original.

Terms for dinars cash loan with fixed interest rate with insurance

Nominal interest rate: 8.80%

Loan amount: from 150.000 RSD to 5.000.000 RSD

Repayment period: from 24 to 71 months

One-time loan processing fee: 0% (without the cost of loan application processing, for loans with or without refinancing)

Loan maintenance fee: 0% (no loan maintenance fee charged)

Means of security:

  1. Promissory notes with no protest clause
  2. Administrative ban
  3. Credit insurance*

*Credit insurance is contracted by the user with the insurance company by purchasing an individual policy and covers:

  1. Job loss (6 installments per one insured case, maximum 3 insured cases)
  2. Temporary incapacity for work (6 installments per one insured case, maximum 3 insured cases)
  3. Accidental death 

Criterion for indexation / loan revaluation: none

The interest calculation method is proportional.

The client contracts an individual credit insurance policy linked in favor of the Bank, with the option of concluding an insurance contract with Generali Osiguranje Srbija a.d.o. through the Bank as an insurance representative or to submit an insurance policy issued by an insurance company acceptable to the Bank and linked in favor of the Bank, exclusively with monthly payment of the insurance premium, which covers loss of work (unemployment), temporary inability to work (sickness) and death due to an accident.

The client pays the insurance premium to the insurance company through a standing order, on a monthly basis, throughout the entire period of the loan.  

Note: The insurance does not cover loans granted to self-employed persons, business owners, and their family members.

Documentation
  • Request for Loan approval*

  • For employess:
    • Employment Confirmation of loan applicant* (Download)
    • Administrative ban*
    • Salary Lists
    • Currents account statement for previous 3 months

*Documentation can be obtained at UniCredit Bank

Representative example for Dinars Cash Loans with fixed interest rate with insurance

 

Loan amount NIR at the annual level, variable* EIR on an annual basis Monthly installment amount, variable interest Annual loan maintenance fee, fixed Administrative cost The amount of the monthly loan insurance premium The total amount that the client returns after the agreed loan repayment period Payment period
300.000 RSD

8,80%

11,91%

5.451,79 RSD

 Bez naknade
 Bez naknade 205,82 RSD 413.126,05 RSD

71 mesec

EIRwas calculated on December 31, 2024.

Costs included in the EIR calculation:

  • Bill of exchange cost (100 RSD)
  • The cost of obtaining a credit bureau report (246 RSD)
  • The cost of maintaining a monthly payment account with basic services (150 RSD)
  • The cost of the monthly loan insurance premium (205.82 RSD)
Benefits and conditions

BENEFITS AND PREREQUISITES

Offer of Cash Loans and Loans for refinancing fixed interest rate without included insurance valid for employed clients who receive or will transfer their earnings to UniCredit Bank.

Creditworthiness is determined depending on the amount of monthly income and obligations of the borrower.

For full-time employees: a minimum of 12 months of continuous employment. If the client is employed for an indefinite period with the current employer for less than 12 months, it is necessary to submit a written certificate of the client's total working experience (Certificate of the PIO Fund on the employee's insurance experience) issued in the original.

Terms for dinars cash loan with fixed interest rate with insurance

Nominal interest rate: 9.50%

Loan amount: from 150.000 RSD to 5.000.000 RSD

Repayment period: from 24 to 71 months

One-time loan processing fee: 0% (without the cost of loan application processing, for loans with or without refinancing)

Loan maintenance fee: 0% (no loan maintenance fee charged)

Means of security:

  1. Promissory notes with no protest clause
  2. Administrative ban
  3. Criterion for indexation / loan revaluation: none

The interest calculation method is proportional.

Documentation
  • Request for Loan approval*

  • For employess:
    • Employment Confirmation of loan applicant* (Download)
    • Administrative ban*
    • Salary Lists
    • Currents account statement for previous 3 months

*Documentation can be obtained at UniCredit Bank

Representative example for Dinars Cash Loans with fixed interest rate with insurance

Loan amount

NKS at the annual level, fixed*

EKS on an annual basis

Monthly installment amount, variable interest

Annual loan maintenance fee, fixed

Administrative cost

The total amount that the client returns after the agreed loan repayment period

Payment period

  
300.000 RSD  9,50%

11,20%

5.557,53 RSD

 No fees No fees 406.055,91 RSD 71 month

 

*EKS was calculated on December 31, 2024. year.

Included costs when calculating EKS:

  • Bill of exchange cost (100 RSD)
  • The cost of obtaining a credit bureau report (246 RSD)
  • The cost of maintaining a monthly payment account with basic services (150 RSD)

Benefits and conditions

The offer of cash loans and refinancing loans with CPI insurance and a variable interest rate is valid for employed clients who already receive or transfer their earnings to UniCredit Bank

Creditworthiness is determined depending on the amount of monthly income and obligations of the borrower

For full-time employees: a minimum of 12 months of continuous employment. If the client is employed for an indefinite period with the current employer for less than 12 months, it is necessary to submit a written certificate of the client's total working experience (Certificate of the PIO Fund on the employee's insurance experience) issued in the original.

Terms for dinars cash loan with fixed interest rate with insurance

Nominal interest rate: NKS 8.78% (3M BELIBOR** + 4.10%)

**Value of Belibor on April 3, 2025. is 4.68%. The change in the amount of the variable nominal interest rate, conditioned by the change in the value of the three-month BELIBOR, is carried out four times a year, every January 6, April 6, July 6 and October 6 until the end of repayment, by always taking the value of the three-month BELIBOR, which is defined on the market 2 working days before the adjustment date.

Loan amount: from 150,000 RSD to 5,000,000 RSD

Repayment period: from 24 to 71 months

One-time loan processing fee: 0% (without the cost of loan application processing, for loans with or without refinancing)

Loan maintenance fee: 0% (no loan maintenance fee charged)

 

Means of security:

  • Promissory notes with no protest clause
  • Administrative ban
  • Credit insurance*

 

*Credit insurance is contracted by the user with the insurance company by purchasing an individual policy and covers:

  • Job loss (6 installments per one insured case, maximum 3 insured cases)
  • Temporary incapacity for work (6 installments per one insured case, maximum 3 insured cases)
  • Accidental death 

 

Criterion for indexation / loan revaluation: none

The interest calculation method is proportional.

 

The client contracts an individual loan insurance policy linked in favor of the Bank, with the option of concluding an insurance contract with Generali Osiguranje Srbija a.d.o. through the Bank as an insurance representative or to submit an insurance policy issued by an insurance company acceptable to the Bank and linked in favor of the Bank, exclusively with monthly payment of the insurance premium, which covers loss of work (unemployment), temporary inability to work (sickness) and death due to an accident.

The client pays the insurance premium to the insurance company through a standing order, on a monthly basis, throughout the entire period of the loan.  

Note: The insurance does not cover loans granted to self-employed persons, business owners, and their family members.

Documentation

Request for Loan approval*

For employess:

  • Employment Confirmation of loan applicant* (Download)
  • Administrative ban*
  • Salary Lists
  • Currents account statement for previous 3 months

*Documentation can be obtained at UniCredit Bank

Representative example for Dinars Cash Loans with fixed interest rate with insurance

 

Loan amount NKS at the annual level, variable* EKS on an annual basis Monthly installment amount, variable interest Annual loan maintenance fee, fixed Administrative cost The amount of the monthly loan insurance premium The total amount that the client returns after the agreed loan repayment period Payment period
300.000 RSD   8.78% variable 3M Belibor+ fixed margin 4.1%

10,81%

5.449,19 RSD

 No fees No fees

205,74 RSD

402.138,35 RSD

 71 months

 

*EKS was calculated on April 3, 2025.

 

Costs included in the EKS calculation:

  • Bill of exchange cost (100 RSD)  
  • The cost of obtaining a credit bureau report (246 RSD)
  • The cost of maintaining a monthly payment account with basic services (150 RSD)
  • The cost of the monthly loan insurance premium (205.74 RSD)

**Value of Belibor on April 3, 2025. is 4.68%. The change in the amount of the variable nominal interest rate, conditioned by the change in the value of the three-month BELIBOR, is carried out four times a year, every January 6, April 6, July 6 and October 6 until the end of repayment, by always taking the value of the three-month BELIBOR, which is defined on the market 2 working days before the adjustment date.

For all additional information, please do not hesitate to contact us on our Info telephone 011/3777 888 or visit one of our branch offices throughout Serbia.

Important notice:

  • If you would like to get acquainted with the banking terminology in order to understand better our products and services, please visit official web site of National Bank of Serbia on the following link: www.tvojnovac.nbs.rs
Benefits and conditions

Offer of cash loans and loans for refinancing with a variable interest rate without included insurance valid for employed clients who already receive or will transfer their earnings to UniCredit Bank

Creditworthiness is determined depending on the amount of monthly income and obligations loan beneficiary

For full-time employees: a minimum of 12 months of continuous employment. If it is a client employed for an indefinite period with the current employer for less than 12 months, it is necessary to submit a written certificate about the total working experience of the client (Certificate of the PIO fund about the employee's insurance experience) issued in the original.

Terms for dinars cash loan with fixed interest rate with insurance

Nominal interest rate: 9.48% (3M BELIBOR** + 4.80%)

**Value of Belibor on May 3, 2025. is 4.68%. The change in the amount of the variable nominal interest rate, conditioned by the change in the value of the three-month BELIBOR,it is carried out four times a year, every January 6, April 6, July 6 and October 6 until the end of repayment, by always taking the value of the three-month BELIBOR that is defined on the market 2 working days before the adjustment date.

Loan amount: from 150,000 RSD to 5,000,000 RSD

Repayment period: from 24 to 71 months

One-time loan processing fee: 0% (without the cost of loan application processing, for loans with or without refinancing)

Loan maintenance fee: 0% (no loan maintenance fee charged)

Means of security:

  • Promissory notes with no protest clause
  • Administrative ban
  • Criterion for indexation / loan revaluation: none

The interest calculation method is proportional.

Documentation

Request for Loan approval*

For employess:

  • Employment Confirmation of loan applicant* (Download)
  • Administrative ban*
  • Salary Lists
  • Currents account statement for previous 3 months

*Documentation can be obtained at UniCredit Bank

Representative example for Dinars Cash Loans with fixed interest rate with insurance

 

Loan amount NKS at the annual level, variable* EKS on an annual basis Monthly installment amount, variable interest Annual loan maintenance fee, fixed Administrative cost   The total amount that the client returns after the agreed loan repayment period Payment period
300.000 RSD

9.48%

variable

3M Belibor**+ fixed margin 4.80%

10,09%

5.554,94  RSD

 No fees No fees   395.062,80 RSD

71 month

**EKS was calculated on April 3, 2025. year.

Costs included in the EKS calculation:

  • Bill of exchange cost (100 RSD)
  • The cost of obtaining a credit bureau report (246 RSD)
  • The cost of maintaining a monthly payment account with basic services (150 RSD)

**Value of Belibor on April 3, 2025. is 4.68%. The change in the amount of the variable nominal interest rate, conditioned by the change in the value of the three-month BELIBOR, is carried out four times a year, every January 6, April 6, July 6 and October 6 until the end of repayment, by always taking the value of the three-month BELIBOR, which is defined on the market 2 working days before the adjustment date.

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