Refinancing loan
Users of loan:
Bank approves loans for refinancing obligations in Vojvodjanska Bank and other banks to private individuals-citizens of the Republic of Serbia with regular personal income, foreign nationals who have resident status with regular personal income and to pensioners.
Purpose of the loan:
· Refinancing of loan liabilities in other banks applies to the following facilities with and without FX clause:
- liabilities from credit cards,
- overdrafts,
- cash loans and refinancing loans ,
- consumer loans (including instant loans).
· Refinancing of loan liabilities in Vojvodjanska banka applies to the following facilities with and without FX clause:
- cash loans and refinancing loans,
- consumer loans (including instant loans).
Clients are offered the opportunity to refinance existing credit obligations in Vojvodjanska and other banks and to get additional cash within the loan with the purpose of refinancing.
Terms of loan:
Amount: up to EUR 10,000, where the minimum monthly installment cannot be less than EUR 10.
Loans are disbursed in RSD counter value calculated at the official middle exchange rate of NBS for EUR on the date of disbursement.
Loan tenor: depends on the loan amount in the following way:
- for loan amounts up to 1.500 EUR dinar equivalent maximum period of approval of loan is 60 months
- for loan amounts from EUR 1501 to EUR 5,000 dinar equivalent, the maximum period of approval of loan is 84 months
- for loan amounts of EUR 5001 to EUR 10,000 dinar equivalent, the maximum period of approval of loan is 96 months
FX clause: For the purpose of securing the disbursed assets, the Bank will contract the FX clause with borrowers according to the parity of dinar against EUR at the official middle exchange rate of NBS.
Basis for approval of the loan: Loans will be approved with 30% deposit of the loan amount.
Collateral:
1. Holders of accounts at the Bank with regular monthly income,
· for amounts up to 8000 EUR in RSD counter value:
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower.
· For amounts over 8000 EUR in RSD counter value:
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower,
- Payment guarantor with 2 (two) promissory notes and 2 (two) administrative bans.
2. Other borrowers
· for amounts up to 5000 EUR in RSD counter value:
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower.
· For amounts over 5000 EUR in RSD counter value:
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower,
- Payment guarantor with 2 (two) promissory notes and 2 (two) administrative bans.
II. LOAN WITHOUT FX CLAUSE FOR REFINANCING CREDIT OBLIGATIONS
Users of credit:
Bank approves loans for refinancing obligations in Vojvodjanska Bank and other banks to private individuals-citizens of the Republic of Serbia with regular personal income, foreign nationals who have resident status with regular personal income and to pensioners
Loan purpose:
Refinancing credit obligations refers to loans with or without FX clause:
- Credit obligations on credit cards
- Overdraft on current account
- Cash loans and loans for refinancing obligations
- Consumer loans (including loans and instant)
Clients are offered the opportunity to refinance existing credit obligations in Vojvodjanska and other banks and to get additional cash within the loan with the purpose of refinancing.
Terms of loan:
Amount: up to EUR 10,000 in RSD counter value calculated at the official middle exchange rate of NBS for EUR, where the minimum monthly installment cannot be less than RSD 900.
Loan tenor: depends on the loan amount in the following way:
- for loan amounts up to 1.500 EUR dinar equivalent maximum period of approval of loan is 60 months
- for loan amounts from EUR 1,501 to EUR 5,000 dinar equivalent, the maximum period of approval of loan is 84 months
- for loan amounts of EUR 5,001 to EUR 10,000 dinar equivalent, the maximum period of approval of loan is 96 months
FX clause: loans are approved in RSD, without FX clause
Basis for approval of the loan: Loans will be approved without deposit and down payment.
Collateral:
1. Holders of accounts at the Bank with regular monthly income
· For amounts up to 8000 EUR in RSD counter value,
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower,
· for amounts over 8000 EUR in RSD counter value,
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower,
- Payment guarantor with 2 (two) promissory notes and 2 (two) administrative bans,
2. Other borrowers:
· For amounts up to 5000 EUR in RSD counter value,
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower,
· For amounts over 5000 EUR in RSD counter value,
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower,
- Payment guarantor with 2 (two) promissory notes and 2 (two) administrative bans.
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