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For business clients
Working capital
Working capital in EUR
A sufficiency of working capital guarantees good turnover of goods to enterprises!
We present you Working Capital Loan in EUR which is approved to small and medium enterprises in an amount from EUR 3,000 to EUR 300,000, on a repayment period of up to 36 months.
This type of loan will enable you to be confident and secure in future every step in your business.
You just need to decide which loan amount and repayment period fits your needs and capabilities in the best way.
Prerequisites
- Client is registered in Serbia
- The clients conducts its core business for a minimum of two years
- Account Package Company opened in UniCredit Bank
- The client has demonstrated positive business results in the last two years
- All tax liabilities have been settled and paid
- In case the Company account was frozen, the maximum allowed period is 15 days
Terms
- Minimum Loan Amount: EUR 3,000 in dinar countervalue
- Maximum Loan Amount: EUR 300,000 in dinar countervalue
- Nominal interest rate:
- fixed 4.2% annually
- variable from 6M/12M euribor + 4.2% annually
- Effective interest rate:
- fixed from 5.07% annually (annuity/one-time payment)
- variable from 4.63% annually (revolving)
- Repayment period: up to 36 months
- One time fee: 0.9%
- Monitoring fee: no fee
Mandatory collateral instruments
The Bank will combine different forms of collaterals depending on the amount of approved loan, client’s creditworthiness and total indebtedness of the client.
- Certified bills (signed and stamped) by the Company (client’s) authorized official and owner;
- A guarantee by another legal entity (bills certified by the guarantor’s authorized official).
- First class mortgage over the appropriate real-estate which ensures the ratio of 1:1.25 in case of mortgage over housing facility, or 1:2 in case of mortgage over business premises, accompanied by the insurance policy for the real-estate (which is subject to first class mortgage), assigned to the benefit of the Bank.
Representative example
Working capital loan in EUR
| Loan amount | Nominal interest rate | Efective interest rate | Monthly installment | One- time fee | Loan maintetnance fee | Total repayment amount | Repayment period |
|---|---|---|---|---|---|---|---|
| EUR 100,000 | 4.2% fixed | 5.07% | EUR 2,964.27 | 0.9% of the loan amount | No fee | EUR 106,807.07 | 36 months |
| EUR 100,000 | 3.78% 6M EURIBOR*** + fixed margine 4.3% | 4.63% | EUR 2,945.28 | 0.9% of the loan amount | No fee | EUR 106,114.12 | 36 months |
Important notice:
- If you would like to get acquainted with the banking terminology in order to understand better our products and services, please visit official web site of National Bank of Serbia on the following link: www.tvojnovac.nbs.rs
- In accordance with the recommendation of the NBS, we would like to bring to your attention that the loans indexed in foreign currency (EUR, CHF) bears foreign exchange risk – in case of strengthening of dinar currency, the amount of monthly fee in dinar counter value will be lower, while in case of depreciation of dinar, the amount of monthly installment will be higher in dinar counter value.
Working caplital loan in RSD
How many times did you find yourself in a situation that you miss just a small amount of funds to close a big job?
UniCredit Bank supports you with Working Capital Loan in RSD with fixed or variable interest rate, which will enable you to be ready in every moment, to make the next big step in your business!
Working Capital Loan in RSD will provide you enough financial means that will guarantee you good turnover of goods.
Prerequisites
- Client is registered in Serbia
- The client conducts its core business for a minimum of two years
- Account Package Company opened in UniCredit Bank
- The client has demonstrated positive business results in the last two years
- All tax liabilities have been settled and paid
- In case the Company account was frozen, the maximum allowed period is 15 days
Terms
- Minimum Loan Amount: RSD 240,000
- Maximum Loan Amount: RSD 36,000,000
- Interest rate:
- variable from 1M BELIBOR + 3.5% annual
- fixed from 6.5%
- Effective interest rate:
- fixed from 7.55%
- variable from 4.96% annualy
- fixed from 7.55%
- Repayment period: up to 36 months
- One time fee: 0.9%
- Monitoring fee: no fee
Mandatory collateral instruments
The Bank will combine different forms of collaterals depending on the amount of approved loan, client’s creditworthiness and total indebtedness of the client.
- Certified bills (signed and stamped) by the Company (client’s) authorized official and owner;
- A guarantee by another legal entity (bills certified by the guarantor’s authorized official).
- First class mortgage over the appropriate real-estate which ensures the ratio of 1:1.25 in case of mortgage over housing facility, or 1:2 in case of mortgage over business premises, accompanied by the insurance policy for the real-estate (which is subject to first class mortgage), assigned to the benefit of the Bank
Representative example
Working Capital Loan in RSD with variable interest rate
| Loan amount | Nominal interest rate | Efective interest rate | Monthly installment | One-time fee | Loan maintenance fee | Total repayment amount | Repayment period |
|---|---|---|---|---|---|---|---|
| RSD 12,000,000 | 4.09% 1M BELIBOR** + fixed margine 3.5% | 4.96% | RSD 355,114.77 | 0.9% from the loan amount | No fee | RSD 12,795,038.25 | 36 months |
Working Capital Loan in RSD with fixed interest rate
| Loan amount | Nominal interest rate | Efective interest rate | Monthly installment | One-time fee | Loan maintenance fee | Total repayment amount | Repayment period |
|---|---|---|---|---|---|---|---|
| RSD 12,000,000 | 6.5% fixed | 7.55% | RSD 386,351.40 | 0.9% of the loan aomunt | No fee | RSD 12,277,983.65 | 36 months |
Important notice:
- If you would like to get acquainted with the banking terminology in order to understand better our products and services, please visit official web site of National Bank of Serbia on the following link: www.tvojnovac.nbs.rs
