mBiznis
For business clients
Working capital
Short Term Loan in EUR
UniCredit Bank has a right solution for you, Short Term Loan indexed in EUR.
You just need to decide for the amount that suits the most your financial needs. Repayment period for Short Term Loan in EUR is up to 36 months.
After the approval, the loan amount will be deposited on your current account.
Prerequisites
- Client is registered in Serbia
- The client conducts its core business for a minimum of two years
- Package Account Pro Standard, Pro Gold or Pro prestige opened in UniCredit Bank
- In case of entrepreneurs who maintain account ledgers, a positive business result for previous two years is necessary
- All tax liabilities have been settled and paid
- The owner is not younger than 22 or older than 65 years of age at the moment of repayment of last installment
- Company’s account was frozen for maximum of 15 days
Terms
- Minimum Loan Amount: EUR 3,000
- Maximum Loan Amount: EUR 300,000
- Interest rate: from 4.2% annualy (annuity/one-time payment)
Repayment period: up to 36 months - Efective interst rate: Fixed from 4.97% annually
Variable from 4.52% annually - One time fee: 0.9%
- Monitoring fee: no fee
Costs
The cost of maintaining the account (if the client is not already a user of RSD current account in the Bank), variable:
- 649/ 799/ 1,649 RSD monthly
- The cost of maintaining the account is changed once a year, on the last working day of the first calendar quarter
- System relative to the change in the annual rate of growth of consumer prices (data officially published on the NBS website - www.nbs.rs).
- The amount of the cost of maintaining the account increases in the amount of 90% of the total annual growth rate of consumer prices (inflation), or decreases in the amount of 90% of the height of deflation. In this way, the changed amount of the cost of maintaining the account is applied in the following year.
- The amount of the cost of maintaining the account is always rounded to a whole number, rounding to the lower decimal point.
Other costs:
- Cost of obtaining report from the Credit Bureau: 720 RSD Basic report for the legal person-entrepreneur (according to one report), based on a report on the guarantor 102.00 RSD (individual - owning entrepreneur) *
- The cost of bill of exchange 50 RSD per bill *
* Estimated costs in dinars (absolute amount)
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.
- Bank will combine different types of ensurance depending on the amount of loan, clients credit capability and total debt that client has.
- 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
| Loan amount | NIR annually | EIR annually | Monthly installment, variable rate | Loan maintenance fee | Administrative cost | Total repayment amount | Repayment period |
|---|---|---|---|---|---|---|---|
| EUR 100,000 | fixed 4.2% |
4,97% | EUR 2,964.27 | No fee | 0.9% of the loan amount | EUR 106,807.07 | 36 months |
| EUR 100,000 | 3.78% 6M EURIBOR** + fixed margine 4.3% | 4.53% | EUR 2,945.28 | No fee | 0.9% of the loan amount | EUR 107,144.12 | 36 months |
The method of calculating interest is proportional.
EIR is calculated on 25.02.2021. The cost of the blank bill and a credit bureau report are included in calculation.
For all additional information, please do not hesitate to contact us via our Info telephone 011/3 777-888 or visit one of our branch offices throughout Serbia.
Important notice:
- UniCredit Bank clients are able to refinance their consumer loans with dinar loans or loans indexed in EUR, without charging one time fee.
- 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
Short Term Loan in RSD
You are an entrepreneur and you need an urgent financial support on a short period?
UniCredit Bank has a right solution for you, Short Term Loan in RSD.
This loan is approved on a repayment period of up to 36 months, and you just need to decide about the amount of the loan which goes from RSD 240,000 up to RSD 36,000,000.
After the approval, the loan amount will be deposited on your current account.
Prerequisites
- Client is registered in Serbia
- The client conducts its core business for a minimum of two years
- Package Account Pro Standar, Pro Gold or Pro Prestige opened in UniCredit Bank
- In case that entrepreneur maintains account ledgers, a positive business result for the previous two years
- All tax liabilities have been settled and paid.
- Company’s account was frozen for maximum of 15 days
- The owner is not younger than 22 or older than 65 years of age at the moment of repayment of last installment
Terms
- Minimum Loan Amount: RSD 240,000
- Maximum Loan Amount: RSD 36,000,000
- Interest rate:
- variable from 3M BELIBOR + 3.5% annual (annuity/one-time payment)
- fixed from 6.5% annually (annuity/one-time payment)
- Repayment period: up to 36 months
- Effective interest rate:
- variable from 5.19% annually (annuity/one-time payment)
- fixed from 7.45% annually (annuity/one-time payment)
- One time fee: 0.9%
- Monitoring fee: no fee
Cost
The cost of maintaining the account (if the client is not already a user of RSD current account in the Bank), variable:
- 649/ 799/ 1,649 RSD monthly
- The cost of maintaining the account is changed once a year, on the last working day of the first calendar quarter
- System relative to the change in the annual rate of growth of consumer prices (data officially published on the NBS website - www.nbs.rs).
- The amount of the cost of maintaining the account increases in the amount of 90% of the total annual growth rate of consumer prices (inflation), or decreases in the amount of 90% of the height of deflation. In this way, the changed amount of the cost of maintaining the account is applied in the following year.
- The amount of the cost of maintaining the account is always rounded to a whole number, rounding to the lower decimal point.
Other costs:
- Cost of obtaining report from the Credit Bureau: 720 RSD Basic report for the legal person-entrepreneur (according to one report), based on a report on the guarantor 102 RSD (individual - owning entrepreneur) *
- The cost of bill of exchange 50 RSD per bill *
* Estimated costs in dinars (absolute amount)
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 | NIR annually | EIR annually | Monthly installment, variable rate | Loan maintenance fee | Administrative cost | Total repayment amount | Repayment period |
|---|---|---|---|---|---|---|---|
| RSD 12,000,000 |
4,40% 3M BELIBOR* + margin fixed 3.5% |
5,19% | RSD 356,800.74 |
No fee | 0.9% of the loan amount | RSD 12,856,559.96 | 36 months |
*Belibor value on 06.02.2021 amounts to 0.59%. 1M Belibor is adjusted monthly, every 6th in the way to take value defined at the market 2 working days before the date of adjustment. Margin is fixed. The method of calculating interest is proportional.
EIR is calculated on 25.02.2021. The cost of the blank bill and a credit bureau report are included in calculation.
Working Capital Loan in RSD with fixed interest rate
| Loan amount |
NIR annually fixed |
EIR annually |
Monthly installment |
Loan maintenance fee |
Administrative cost | Total repayment amount |
Repayment period |
|---|---|---|---|---|---|---|---|
| RSD 12,000,000 | 6.5% | 7.45% | RSD 368,351.40 | No fee | 0.9% of the loan amount | RSD 13,277,983.65 | 36 months |
EIR is calculated on 25.02.2021. The cost of the blank bill and a credit bureau report are included in calculation.
For all additional information, please do not hesitate to contact us via our Info telephone 011/3 777-888 or visit one of our branch offices throughout Serbia.
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
