Cash loan for pensioners

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Cash Loan for Pensioners

Account Package
Overdraft

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LOAN AMOUNT

RSD

TENOR

Months

Monthly installment and loan details

Details

Benefits

To be active and live the way you want. With your experience and the special set of products we have prepared for you, everything will be simpler.

Eligibility requirements

Debtor's creditworthiness is determined by the amount of monthly income and other obligations of the debtor
Minimum of one month in retirement
Pension transferred on an account opened in UniCredit Bank

Terms and Documentation

Loan amount: from RSD 20,000 up to RSD 2,000,000
Repayment period: from 12 up to 71 months
Interest rate:
NIR - fixed interest rate 15.35%
Pension transfer to UniCredit Bank account is mandatory
Loan request processing fee:
with fixed interest rate - No fee
Loan maintenance fee: No fee
Mandatory collateral instruments:
Blank bill
Insurance (life insurance included); clients, loan beneficiaries will be insured in case of death (due to illness, accident) throughout the loan period, in accordance with the conditions of insurance that you can find in our branches

Documentation

Request for Loan approval*
Last Pension Checks
Abstract from the current account for the last month

*Documentation is avilable in our branches

Representative Example

Reprezentative example with fixed interest rate with our without refinancing

Loan amount	NIR, annualy, fixed	EIR, annualy	Monthly installment	Loan request processing fee, fixed	Loan maintenance fee, fixed	Total repaid amount	Repayment period
RSD* 300,000	15,35%	18,15%	RSD 6.494,42	No fee	No fee	RSD 461.833,41	71 months

EKS was calculated on April 2, 2023. The cost of the credit bureau and promissory notes is included in the displayed EKS.

Benefits

To be active and live the way you want. With your experience and the special set of products we have prepared for you, everything will be simpler.

Eligibility requirements

Debtor's creditworthiness is determined by the amount of monthly income and other obligations of the debtor
Minimum of one month in retirement
Pension transferred on an account opened in UniCredit Bank

Terms and Documentation

Loan amount: from RSD 200,000 up to RSD 2,000,000
Repayment period: from 24 up to 71 months
Interest: NKS - variable interest rate 3M Belibor** + margin 7.40%
Pension transfer to UniCredit Bank account is mandatory
Loan request processing fee:
with variable interest rate - No fee
Loan maintenance fee: No fee
Mandatory collateral instruments:
Blank bill
Insurance (life insurance included); clients, loan beneficiaries will be insured in case of death (due to illness, accident) throughout the loan period, in accordance with the conditions of insurance that you can find in our branches

Documentation

Request for Loan approval*
Last Pension Checks
Abstract from the current account for the last month

*Documentation is avilable in our branches

**The value of 3M BELIBOR on 31.12.2024. is 4.70%.

The change in the amount of the variable nominal interest rate, conditioned by the change in the value of the three-month BELIBOR, is carried out four times a year, every January 6, April 6, July 6 and October 6 until the end of repayment, by always taking the value of the three-month BELIBOR and which was defined on the market 2 working days before the adjustment date.If the reconciliation date is a non-working day, the reconciliation is carried out on the first following working day. The margin is fixed. The calculation method is proportional.

Representative example

Reprezentative example with variable interest rate with or without refinancing

Loan amount	NIR annualy, variable	EIR annualy	Monthly installment	Loan request processing fee, fixed	Loan maintenance fee, fixed	Total repaid amount	Repayment period
RSD 300,000*	12.10%3M BELIBOR + margin fixed 7.40%	13,03%	RSD 5.961,41	No fee	No fee	RSD 426.429,16	71 months

EKS was calculated on 31.12.2024. The cost of the credit bureau and bill of exchange is included in the displayed EKS.
**Value of 3M Belibor on 31.12.2024. is 4.70%

The results shown based on the information you enter into the credit calculator can only be used for informational purposes and do not give rise to any obligation on the part of the bank to provide banking services. The calculation is presented in accordance with the General Terms and Conditions and the Bank reserves the right to amend the provisions of the said document. The Bank decides to provide banking services in accordance with the terms and conditions set out in the General Terms and Conditions, based on its credit rating.

In accordance with the Law on Protection of Financial Services Users, we would like to remind you that the provision of banking services indexed in foreign currency carries a certain exchange rate risk. In case of RSD appreciation, the monthly installment will be lower, while in case of RSD weakening, the monthly installment of the loan in RSD equivalent will be higher.

* We suggest that you schedule an appointment to find an alternative solution, as this type of loan cannot be approved based on the parameters you enter into the calculator.

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