Car loans
Vojvodjanska banka grants loans to its clients for the purchase of new and used cars, agricultural machinery and other vehicles and spare parts, as well as for the payment of customs and tax duties related to the purchase of vehicles.
Loan amount: up to the amount on pro-forma invoice
Basis:
- participation – minimum 30% of the invoice (pro-forma invoice) amount
Repayment period: up to 60 months
Creditworthiness:
Repayment instalment can amount to maximum 30% of the applicant's monthly income reduced by other loan obligations, or maximum 50% if the applicant uses housing loan.
Repayment:
The loan is repaid in equal monthly instalments. The loan is granted with EUR currency clause, i.e. the monthly instalment is adjusted to the official NBS EUR middle rate.
Security:
- promissory note with one creditworthy guarantors and ban on salary or standing order
- conditional ban on guarantor's salary
- insurance of loan with the insurance company that has an agreement on cooperation with the Bank or full casco insurance with additonal theft risk insurance of the company accepted by the Bank, with insurance policy pledged in favour of the Bank
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