Header Potrošački krediti

Purchase of new and used vehicles

Loans for the purchase of new and used vehicles, indexed in EUR with a repayment period up to 7 years

  • Loan Loan amount from EUR 2.000 to EUR 25.000 in RSD counter value by using the middle exchange rate of NBS.
  • Minimum participation of 30% of the purchase price of the vehicle
  • Loan security:
    - Two accepted blank bill of exchange
    -Pledge on the vehicle that is the subject of the purchase (the client shall bear the costs of establishing the pledge on the vehicle, which amount from RSD 2.000 to RSD 5.000, depending on the amount of the approved loan)
    - For loans exceeding EUR 10.000 in RSD counter value, the KASKO insurance policy for vehicle vinkulated in favor of the bank is required (the client is charged with the cost of KASKO insurance)
  • Customer permanently employed at least one year in continuity and at least six months at same company. The same applies to a potential guarantor.
  • Customer and guarantor can’t be a pensioner at the same time.
  • The loan is granted to the customers who have been duly servicing their obligations, with delay in payment no longer than 60 days cumulative.
  • Minimum amount of net monthly average salary/pension is RSD 20.000.
  • The client can buy a vehicle for a close family member on whose name will be registered the vehicle.
  • Option of choosing between a fixed and a variable interest rate:
    - The fixed interest rate remains in force from the moment of contracting to the final repayment of the loan
    - The variable interest rate is adjusted every 6 months depending on the movement of 6M Euribor.
  • Other costs:
    - Basic report from the Credit Bureau - RSD 246
    - Bill of exchange (two of them)       - RSD 100
A representative example of the loan with variable interest rate
Type of loan Consumer loan for car purchase
Loan currency Loan in RSD with a currency clause indexed in EUR (applying the middle exchange rate of the NBS for disbursement and repayment of loans)
Deposit No deposit
Participation The minimum participation is 30% of the purchase price of the vehicle
Loan amount EUR 8.000
Maturity Up to 84 months
Nominal interest rate (annual, variable) 8,5%+6M Euribor, which on 23.07.2018. amounts to 8,23% per annum
Monthly annuity EUR 124,45
Effective interest rate (annually) on 23.07.2018. from 8,93%
Total amount for repayment EUR 10.457
Other costs
Basic report from the Credit Bureau RSD 246
The cost of establishing a pledge on a vehicle RSD 2.000
Bill of exchange (two of them) RSD 100
The cost of KASKO insurance Clients are obliged to insure KASKO car insurance only for loans exceeding EUR 10.000, in dinar counter value. The amount of vehicle KASKO insurance depends on the particular insurance company.

Detailed offer for other loan amounts can be obtained in the branches of Expobank JSC Belgrade.

A representative example of the loan with fixed interest rate
Type of loan Consumer loan for car purchase
Loan currency Loan in RSD with a currency clause indexed in EUR (applying the middle exchange rate of the NBS for disbursement and repayment of loans)
Deposit No deposit
Participation The minimum participation is 30% of the purchase price of the vehicle
Loan amount EUR 8.000
Maturity Up to 84 months
Nominal interest rate (annual, fixed) 10,5%
Monthly annuity EUR 132,95
Effective interest rate (annually) on 23.07.2018. from 11,2%
Total amount for repayment EUR 11.172
Other costs
Basic report from the Credit Bureau RSD 246
The cost of establishing a pledge on a vehicle RSD 2.000
Bill of exchange (two of them) RSD 100
The cost of KASKO insurance Clients are obliged to insure KASKO car insurance only for loans exceeding EUR 10.000, in dinar counter value. The amount of vehicle KASKO insurance depends on the particular insurance company.

Detailed offer for other loan amounts can be obtained in the branches of Expobank JSC Belgrade.

Loan calculator
Interest rate (%):
Loan amount:
No of rate:
Amount of annuity:
Referentne kamatne stope
3M BELIBOR 1.99%
6M BELIBOR2.16%
3M EURIBOR-0.41%
6M EURIBOR-0.349%
6M LIBOR - CHF-0.7052%
važe na dan 21.10.2019.