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Expobank JSC Belgrade offers you the opportunity to refinance your credit obligations by overdrafts, credit cards and loans from other banks.

Refinancing loan gives you the possibility of reducing your monthly obligations.

Why to pay individually much higher price for each of the products used individually? Take advantage of the unified offer.

 

Conditions of the refinancing loan in RSD:

  • loan amount from EUR 1.000 to EUR 12.000 in RSD counter value at the middle exchange rate of the NBS;
  • no processing fee;
  • the loan is in dinars, without currency clause;
  • with a repayment period from 12 to 95 months;
  • 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;
  • option of choosing between a fixed and a variable interest rate
    • the fixed nominal interest rate is 14,5% per annum, and the effective interest rate in this case is 14,52% per annum (as of 16.01.2019.)
    • the variable nominal interest rate is 6,5% + 6M Belibor, which on 16.01.2019. amounts to 9,69% per annum. The variable part of the interest rate is adjusted every six months according to the movement of 6M Belibor. The effective interest rate, calculated on 16.01.2019. amounts to 9,71% per annum.
  • Loan security: Minimum security is two accepted blank bill of exchange of the client and for amounts above EUR 6.250 one creditworthy guarantor is required. If DTI ratio is less than 50%, creditworthy guarantor is obliged for amounts over EUR 10.000.
  • Debt to income ratio (DTI ratio) is calculated by dividing total monthly liabilities with regular monthly income.
A representative example of a refinancing loan in RSD with fixed interest rate
Type of loan Refinancing loan in RSD
Loan currency In dinars without currency clause
Deposit No deposit
Loan amount RSD 300.000 RSD 600.000
Maturity 95 months 95 months
Monthly annuity RSD 5.175 RSD 10.350
Total amount for repayment RSD 492.625 RSD 985.251
Nominal interest rate (annual, fixed) 14,5% 14,5%
Effective interest rate (annually) as of 16.01.2019. from 14,54%  from 14,52%
Other costs
Basic report from the Credit Bureau RSD 246 RSD 246
Bill of exchange (two of them) RSD 100 RSD 100

 

A representative example of a refinancing loan in RSD with variable interest rate
Type of loan Refinancing loan in RSD
Loan currency In dinars without currency clause
Deposit No deposit
Loan amount RSD 300.000 RSD 600.000
Maturity 95 months 95 months
Monthly annuity RSD 4.470 RSD 8.940
Total amount for repayment RSD 425.356 RSD 850.713
Nominal interest rate (annual, variable) 6,5% + 6M Belibor, which on 16.01.2019., amounts to 9,69% per annum 6,5% + 6M Belibor, which on 16.01.2019., amounts to 9,69% per annum
Effective interest rate (annually) as of 16.01.2019. from 9,73%  from 9,71%
Other costs
Basic report from the Credit Bureau RSD 246 RSD 246
Bill of exchange (two of them) RSD 100 RSD 100

Detailed offer for other loan amounts can be obtained at all Expobank JSC Belgrade branches.

Expobank JSC Belgrade offers you the opportunity to refinance your credit obligations by overdrafts, credit cards and loans from other banks.
Refinancing loan gives you the possibility of reducing your monthly obligations.
Why to pay individually much higher price for each of the products used individually? Take advantage of the unified offer.

Conditions of the refinancing loan in EUR:

  • loan amount from EUR 1.000 to EUR 12.000 in RSD counter value at the middle exchange rate of the NBS;
  • no processing fee;
  • the loan is in RSD with a currency clause, indexed in EUR
  • the loan is disbursed in dinars at the middle exchange rate of the NBS on the day of disbursement;
  • with a repayment period from 12 to 95 months;
  • 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 nominal interest rate is fixed at 10,5% per annum;
  • the effective interest rate is from 19,48% per annum as of 16.01.2019.;
  • Loan security: Minimum security is two accepted blank bill of exchange of the client and for amounts above EUR 6.250 one creditworthy guarantor is required. If DTI ratio is less than 50%, creditworthy guarantor is obliged for amounts over EUR 10.000.
  • Debt to income ratio (DTI ratio) is calculated by dividing total monthly liabilities with regular monthly income.
A representative example of a refinancing loan in EUR
Type of loan Refinancing loan in EUR
Loan currency In RSD with a currency clause, indexed in EUR
Minimum deposit 30% EUR 900 EUR 1.800
Loan amount EUR 3.000 EUR 6.000
Maturity 95 months 95 months
Monthly annuity EUR 45,87 EUR 91,74
Total amount for repayment EUR 4.365 EUR 8.700
Nominal interest rate (annual, fixed) 10,5% 10,5%
Effective interest rate (annually) as of 16.01.2019. From 19,51% From 19,48%
Other costs
Basic report from the Credit Bureau RSD 246 RSD 246
Bill of exchange (two of them) RSD 100 RSD 100

Detailed offer for other loan amounts can be obtained at all Expobank JSC Belgrade branches.

Loan calculator
Interest rate (%):
Loan amount:
No of rate:
Amount of annuity:
Referentne kamatne stope
3M BELIBOR 1.98%
6M BELIBOR2.09%
3M EURIBOR-0.433%
6M EURIBOR-0.408%
6M LIBOR - CHF-0.7946%
važe na dan 16.09.2019.