Become a client
Cash – general purpose loans can be approved to the Bank’s clients but also to natural persons who do not hold a current account with Komercijalna banka.
Apart from the standard documents, the client must obtain a certificate from the Bank on the amount of debt arising from the loan or from the credit card that is being refinanced.
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LOAN FOR REFINANCING WITH CURRENCY CLAUSE |
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TYPE OF CLIENT |
BANK’S CLIENTS |
OTHER CITIZENS |
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LOAN AMOUNT |
Up to creditworthiness of the loan applicant, and maximum up to RSD 1.200.000,00 |
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CURRENCY OF THE LOAN AGREEMENT |
Dinar loan indexed in EUR |
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CRITERIA FOR INDEXATION |
EUR – middle exchange rate of NBS |
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REPAYMENT PERIOD |
Up to 95 months |
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NOMINAL INTEREST RATE, PER ANNUM |
from 7% to 7,6%, fixed |
10% fixed |
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BANK’S FEE (% OF THE LOAN AMOUNT) |
from 1% to 2% |
3% |
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COLLATERAL |
Two blank bills of exchange of the loan user |
Two blank bills of exchange of the loan user and the creditworthy guarantor |
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LOAN REPAYMENT |
Monthly in dinar equivalent of EUR, at middle exchange rate of NBS, applicable on the day of payment of monthly annuity |
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FX DEPOSIT |
30% of the loan amount |
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EXAMPLE:
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LOAN FOR REFINANCING WITH CURRENCY CLAUSE |
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TYPE OF CLIENT |
BANK’S CLIENTS |
OTHER CITIZENS |
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LOAN AMOUNT |
EUR 3.000,00 |
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REPAYMENT PERIOD |
60 months |
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NOMINAL INTEREST RATE, PER ANNUM |
7,6% fixed |
10% fixed |
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DEPOSIT (MIN 30%) |
EUR 900,00 |
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BANK’S FEE (% OF THE LOAN AMOUNT) |
2% (EUR 60,00) |
3% (EUR 90,00) |
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MONTHLY ANNUITY |
EUR 60,26 |
EUR 63,74 |
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TOTAL LOAN AMOUNT WITH INTEREST |
EUR 3.615,60 |
EUR 3.824,40 |
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EFFECTIVE INTEREST RATE |
8,85 % |
12,04 % |
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OTHER COSTS THAT ARE INCLUDED IN CALCULATION OF EFFECTIVE INTEREST RATE |
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COSTS OF OBTAINING THE REPORT FROM CREDIT BUREAU |
RSD 246,00 |
RSD 492,00 |
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COSTS OF BILLS OF EXCHANGE ISSUANCE |
RSD 100,00 |
RSD 200,00 |
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Calculation is performed on 04.01.2019
* Representative example is calculated for Bank’s regular clients and for other citizens who do not receive their salaries through the accounts held with Komercijalna Banka.
** Specific terms of lending depend on internal segmentation of Bank’s clients. We kindly ask you to approach the nearest branch or sub-branch of the Bank for further information regarding loan calculation.
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DINAR LOAN FOR REFINANCING |
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TYPE OF CLIENT |
BANK’S CLIENTS |
OTHER CITIZENS |
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LOAN AMOUNT |
Up to creditworthiness of the loan applicant, and maximum up to RSD 2.500.000,00 |
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CURRENCY OF THE LOAN AGREEMENT |
Dinar loan |
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REPAYMENT PERIOD |
Up to 95 months |
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NOMINAL INTEREST RATE, PER ANNUM |
from 8,95% to 9,95%, fixed – the first 36 months of loan repayment from 5,25% to 6,25% + 6M BELIBOR, variable – after 36 months Margin level from 5,25% to 6,25% is fixed |
13,95%, fixed – for the first 36 months of loan repayment 6M BELIBOR + 10,25%, variable – after 36 months Margin level of 10,25% is fixed |
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ADJUSTMENT OF INTEREST RATE AFTER EXPIRY OF 36 MONTHS. |
The first adjustment of interest rate is conducted after expiry of the fixed period, including the period of calculation of interim interest, and then every six months, by applying the value of 6M BELIBOR, which is defined in the market two working days prior to the date of adjustment |
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BANK’S FEE (% OF LOAN AMOUNT) |
2% |
2,5% |
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COLLATERAL |
Two blank bills of exchange of the loan user |
Two blank bills of exchange of both the loan user and of the creditworthy guarantor |
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LOAN REPAYMENT |
Monthly in dinars |
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Example:
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DINAR LOAN FOR REFINANCING |
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TYPE OF CLIENT |
BANK’S CLIENTS |
OTHER CITIZENS |
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LOAN AMOUNT |
RSD 300.000,00 |
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REPAYMENT PERIOD |
60 months |
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NOMINAL INTEREST RATE, PER ANNUM |
9,95%, fixed – for the first 36 months of loan repayment 6M BELIBOR + 6,25%, variable – after 36 months Margin level of 6,25% is fixed |
13,95%, fixed – for the first 36 months of loan repayment 6M BELIBOR + 10,25%, variable – after 36 months Margin level of 10,25% is fixed |
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BANK’S FEE (% OF THE LOAN AMOUNT) |
2% (RSD 6.000,00) |
2,5% (RSD 7.500,00) |
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MONTHLY ANNUITY |
RSD 6.366,74– first 36 months RSD 6.333,65– after 36 months |
RSD 6.972,70– first 36 months RSD 6.937,08 – after 36 months |
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TOTAL LOAN AMOUNT WITH INTEREST |
RSD 381.210,41 |
RSD 417.507,01 |
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EFFECTIVE INTEREST RATE |
11,36 % |
16,24 % |
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OTHER COSTS THAT ARE INCLUDED IN CALCULATION OF EFFECTIVE INTEREST RATE |
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COSTS OF OBTAINING THE REPORT FROM CREDIT BUREAU |
RSD 246,00 |
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COSTS OF BILLS OF EXCHANGE ISSUANCE |
RSD 100,00 |
RSD 200,00 |
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Value of 6M BELIBOR is 3,18%
Calculation is performed on 04.01.2019.
*Representative example is calculated for Bank’s regular clients and for other citizens who do not receive their salaries through the accounts held with Komercijalna Banka.
**Specific terms of lending depend on internal segmentation of Bank’s clients. We kindly ask you to approach the nearest branch or sub-branch of the Bank for further information regarding loan calculation.