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Allowed overdraft

  • Up to 12,000 dinars without interest

  • Allowed overdraft for pensioners

  • Allowed overdraft for refinancing

Allowed overdraft per account

Provide security when it comes to unexpected expenses.

Allowed overdraft on the account gives you security when it comes to unforeseen expenses!

 

The approved amount is in your account if you need it, but you don't have to use it. Because the interest rate is calculated only on the used part and for the number of days you used it.

The permitted overage is granted without processing and maintenance costs. And that's not all!

If you use the allowed overdraft amount of up to RSD 12,000, the interest rate is not calculated!

 

FIND OUT MORE

Prerequisites

 

  • For employees: minimum 12 months of employment, continuously. If the client is employed for an indefinite period with the current employer for less than 12 months, it is necessary to submit a written certificate of the client's total working experience (Certificate of the PIO Fund on the employee's insurance experience) issued in the original.
  • Earnings directed to the account at UniCredit Bank.
  • The debtor's creditworthiness is determined depending on the amount of the debtor's monthly income and obligations.
Conditions for allowed overdraft per account
  • Maximum loan amount: up to the monthly salary/pension
  • Participation or deposit: 0%Repayment period: up to 36 months
  • The possibility of refinancing the existing allowed overdraft on the account in another bank

Nominal interest rate variable:

  • 25.00% per year with the transfer of earnings/pension to an account at UniCredit Bank
  • For limits up to RSD 12,000.00, the nominal interest rate is 0%. 
  • If the used amount of the allowed overdraft exceeds the amount of RSD 12,000.00, the interest rate specified in the previous paragraph will be calculated and charged on the entire amount of the used overdraft.
  • Application processing fee: no feeIn case of refinancing application processing fees: no fee
  • Means of security: 
  • Bill of exchange
  • The bank does not charge a fee for early repayment
  • The interest calculation method is proportional.
A representative example
Amount of allowed overdraft NKS on an annual basis, variable EKS on an annual basis The total amount of interest for using the full amount of the overdraft continuously Payment period
12.000 RSD 0,00% 0,84% 0 RSD 36 months
50.000 RSD 25,00% 28,34% 38.055,53 RSD 36 months


EKS was calculated on August 12, 2021.

You can download the necessary documentation from link.

Allowed account overdraft specially created for our oldest fellow citizens, and provides additional security when it comes to unforeseen expenses.

 

The approved amount is always in your account if you need it, but you don't have to use it. Because the interest rate is calculated only on the used part and for the number of days you used it.

The permitted overage is granted without processing and maintenance costs. And that's not all!

 

If you use the allowed overdraft amount of up to RSD 12,000, the interest rate is not calculated!

 

Find out more

Prerequisites

  • For pensioners: minimum 1 month in retirement, pension directed to an account in UniCredit Bank;
  • The debtor's creditworthiness is determined depending on the amount of the debtor's monthly income and obligations;
Conditions for allowed overdraft per account
  • Maximum loan amount: up to the monthly pension
  • Participation or deposit: 0%
  • Repayment period: up to 36 months
  • The possibility of refinancing the existing allowed overdraft on the account in another bank
  • Nominal interest rate variable:
  •  
  • 25.00% per year with transfer of pension to the account at UniCredit Bank
  • For limits up to RSD 12,000.00, the nominal interest rate is 0%. If the used amount of the allowed overdraft exceeds the amount of RSD 12,000.00, the interest rate specified in the previous paragraph will be calculated and charged on the entire amount of the used overdraft.
  • Application processing fee: no fee
  • In case of refinancing application processing fees: no fee
  • Means of security:
  • Promissory note
  • The bank does not charge a fee for early repayment
  • The interest calculation method is proportional.

 

A representative example
Amount of allowed overdraft NKS on an annual basis, variable EKS on an annual basis The total amount of interest for using the full amount of the overdraft continuously Payment period
12.000 RSD 0,00% 0,84% 0 RSD 36 months
30.000 RSD 25,00% 28,57% 22.833,33 RSD 36 months


EKS was calculated on August 12, 2021.

You can download the necessary documentation from link.

The allowed overdraft on the refinancing account gives you the opportunity to use it to refinance your existing obligations, but you can always have something left over.

 

Namely, the approved amount is on your account if you need it, but you don't have to use it. Because the interest rate is calculated only on the used part and for the number of days you used it.

 

The permitted overage is granted without processing and maintenance costs. And that's not all!

If you use the allowed overdraft amount of up to RSD 12,000, the interest rate is not calculated!

Find out more

Prerequisites

 

  • For employees: minimum 12 months of employment, continuously. If the client is employed for an indefinite period with the current employer for less than 12 months, it is necessary to submit a written certificate of the client's total working experience (Certificate of the PIO Fund on the employee's insurance experience) issued in the original.
  • Earnings directed to the account at UniCredit Bank.
  • The debtor's creditworthiness is determined depending on the amount of the debtor's monthly income and obligations.
Conditions for allowed overdraft per account
  • Maximum loan amount: up to the monthly salary/pension
  • Participation or deposit: 0%
  • Repayment period: up to 36 months
  • The possibility of refinancing the existing allowed overdraft on the account in another bank

Nominal interest rate variable:

  • 25.00% per year with the transfer of earnings/pension to an account at UniCredit Bank
  • For limits up to RSD 12,000.00, the nominal interest rate is 0%. 
  • If the used amount of the allowed overdraft exceeds the amount of RSD 12,000.00, the interest rate specified in the previous paragraph will be calculated and charged on the entire amount of the used overdraft.
  • In case of refinancing application processing fees: no fee
  • Means of security: 
  • Bill of exchange
  • The bank does not charge a fee for early repayment
  • The interest calculation method is proportional.
A representative example
Amount of allowed overdraft NKS on an annual basis, variable EKS on an annual basis The total amount of interest for using the full amount of the overdraft continuously Payment period
12.000 RSD 0,00% 0,84% 0 RSD 36 months
50.000 RSD 25,00% 28,34% 38.055,53 RSD 36 months


EKS was calculated on August 12, 2021.

You can download the necessary documentation from link.

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