Loan conditions for individuals

Overdraft loan

Annual nominal interest rate (NIR)

20,00 %

Loan processing fee (it is charged once during loan disbursement)

0,50 % - 1,00 %

Commission for using data from Credit Register/Bureau of CBM

3,50 EUR

Annual penalty interest

Nominal increased by 50 %

Maturity term

Up to 12 months

 

Cash loan

Annual nominal interest rate (NIR)

7,95 % - 9,95 % (depending on debtor's category)

Annual effective interest rate (EIR)

8,40 %[1]

Loan processing fee (it is charged once during loan disbursement)

0,50 % - 2,00 %

Commission for using data from Credit Register/Bureau of CBM

3,50 EUR

Fee for premature repayment of the loan

1,00 % of the amount of the loan that is prepaid if the period between the prepayment and maturity date is longer than 12 months and only for amounts higher than 10.000,00 EUR

 

0,50 % of the amount of the loan that is prepaid if the period between the prepayment and maturity date is not longer than 12 months and only for amounts higher than 10.000,00 EUR

Annual penalty interest

Nominal increased by 50 %

Maturity term

Up to 120 months

 

Consumer loan

Annual nominal interest rate (NIR)

7,95 % - 9,95 % (depending on debtor's category)

Annual effective interest rate (EIR)

10,13 %[2]

Loan processing fee (it is charged once during loan disbursement)

0,50 % - 2,00 %

Commission for using data from Credit Register/Bureau of CBM

3,50 EUR

Fee for premature repayment of the loan

1,00 % of the amount of the loan that is prepaid if the period between the prepayment and maturity date is longer than 12 months and only for amounts higher than 10.000,00 EUR

 

0,50 % of the amount of the loan that is prepaid if the period between the prepayment and maturity date is not longer than 12 months and only for amounts higher than 10.000,00 EUR

Annual default interest

Nominal increased by 50 %

Repayment term

Up to 84 months

 

Pensioner loan

Annual nominal interest rate (NIR)

7,95 % - 8,95 % (depending on insurance policy as a collateral)

Annual effective interest rate (EIR)

9,45 %[3]

Loan processing fee (it is charged once during loan disbursement)

0,50 % - 1,00 %

Commission for using data from Credit Register/Bureau of CBM

3,50 EUR

Fee for premature repayment of the loan

1,00 % of the amount of the loan that is prepaid if the period between the prepayment and maturity date is longer than 12 months and only for amounts higher than 10.000,00 EUR

 

0,50 % of the amount of the loan that is prepaid if the period between the prepayment and maturity date is not longer than 12 months and only for amounts higher than 10.000,00 EUR

Annual penalty interest

Nominal increased by 50 %

Maturity term

Up to 120 months

 

Mortgage loan

Annual nominal interest rate (NIR)

Fixed: 7,95 % - 9,95 % (depending on debtor's category)

Variable: 6,95 % - 8,95 % + 6M EURIBOR (depending on loan borrower category)

Annual effective interest rate (EIR)

8,38 %[4]

Loan processing fee (it is charged once during loan disbursement)

0,50 % - 2,00 %

Commission for using data from Credit Register/Bureau of CBM

3,50 EUR

Fee for premature repayment of the loan

1,00 % of the amount of the loan that is prepaid if the period between the prepayment and maturity date is longer than 12 months and only for amounts higher than 10.000,00 EUR

 

0,50 % of the amount of the loan that is prepaid if the period between the prepayment and maturity date is not longer than 12 months and only for amounts higher than 10.000,00 EUR

Annual default interest

Nominal increased by 50 %

Maturity term

Up to 240 months

 

Housing loan

Annual nominal interest rate (NIR)

Fixed: 5,95 % - 7,95 % (depending on debtor's category)

Variable: 4,95 % - 6,95 % + 6M EURIBOR (depending on debtor's category)

Annual effective interest rate (EIR)

6,19 %[5]

Loan processing fee (it is charged once during loan disbursement)

0,50 % - 2,00 %

Commission for using data from Credit Register/Bureau of CBM

3,50 EUR

Fee for premature repayment of the loan

1,00 % of loan amount that is being repaid prematurely if the period between day of premature payment and day of loan maturity from loan contract is longer than 12 months and only for amount bigger than 10.000,00 EUR

 

0,50 % of loan amount that is being repaid prematurely if the period between day of premature payment and day of loan maturity from loan contract is not longer than 12 months and only for amount bigger than 10.000,00 EUR

Annual default interest

Nominal increased by 50 %

Repayment term

Up to 300 months

[1] Example: For a loan in the amount of 10.000,00 EUR and repayment period of 60 monhts, provision for loan processing 1,50 % and included administrative costs (two promissory notes: 4,00 € and Commission for using data from Credit Register/Bureau of CBM: 3,50€), nominal interest rate is 7,95 % while effective interest rate is 8,65 %. Total amount that client has to repay is 12.272,38 EUR, and monthy installment is 201,21 EUR

[2] Example: For a loan in the amount of 1.375,00 EUR and repayment period of 48 months, provision for loan processing 1,50 % and included administrative costs (two promissory notes: 4,00 € Commission for using data from Credit Register/Bureau of CBM: 3,50€), nominal interest rate is 9,00 % dok while effective interest rate is 10,13 %. Total amount that client has to repay is 1.668,19 EUR.

[3] Example: For pensioner loan without insurance policy with amount of 10.000,00 EUR, repayment period of 60 months and included administrative costs (two promissory notes: 4,00 € and Commission for using data from Credit Register/Bureau of CBM: 3,50€), and provision for loan processing 1,00 % nominal interest rate is 8,95 %. installment is 205,66 EUR.

[4] Example: For loan in the amount of 40.000,00 EUR and repayment period of 120 months, nominal interest rate is 7,95 %, while effective interest rate is 8,38 % with included administrative costs (two promissory notes: 4,00 € and Commission for using data from Credit Register/Bureau of CBM: 3,50€), provision for loan processing 1,50 % and mandatory property insurance in amount of 97,90 EUR. Total amount that client has to repay is 58.344,77 EUR, while monthy installment is 478,45 EUR.

[5]Example: For loan in the amount of 50.000,00 EUR and repayment period of 120 months, nominal interest rate is 5,95 %, while effective interest rate is 6,11 % and calculated administrative expenses (two promissory notes: 4,00 € and Commission for using data from Credit Register/Bureau of CBM: 3,50€), provision for loan processing 0,50 % and mandatory property insurance in amount of 270,58 EUR. Total amount that client has to repay 66.512,39 EUR, while monthy installment is 549,94 EUR.