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LOANS FOR PURCHASE OF NEW AND USED CARS
| Amount | Depending on the creditworthiness of the borrower |
| Currency | EUR |
| Maturity |
Up to 84 months |
| Down payment |
Minimum 30.00% of proforma invoice |
| Nominal interest rate (fixed, p.a.) |
14.00 - 16.00% p.a. |
| Fee | 1.50 - 2.00% in a lump sum |
|
Monthly obligation |
Equal monthly annuities |
|
Security |
Depends on loan amount: Up to EUR 5,000
|
EXAMPLE as of 05.12.2011
| Proforma invoice value | EUR 10,000 |
| Down payment |
EUR 3,000 |
| Loan amount |
EUR 7,000 |
| Maturity |
84 months |
| Currency |
EUR |
| Nominal interest rate (fixed, p.a.) |
14.00% |
| Fee | RSD 10,861.94 RSD (1.50%, EUR 70 at official NBS FX rate as of 05.12.2011) |
|
Monthly obligation |
EUR 128.01 EUR (payment is made in RSD amount that is calculated at official NBS FX rate as of payment date) |
|
Security |
Promissory note, guarantor, pledge on car |
|
Other fees |
RSD 205 - Credit Bureau report for borrower RSD 85 - Credit Bureau report for guarantor RSD 50 - Promissory note RSD 2,500 - Registration of pledge in BRA |
|
Total amount for repayment |
EUR 10,826.96 EUR |
|
Effective interest rate |
14.74% p.a. |
 |
(032) 302-105, 302-169, 302-293, 320-652 |
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