mBiznis
For business clients
EBRD credit line intended for women in business
Let's improve female entrepreneurship.
The role of women in society is more and more important because the business world becomes aware that their participation in the economy is inevitable. Women are naturally more cautious and they need to have their additional support to bring their ideas into action, and therefore the Women in Business program is a real support to the way of business excellence. Whether you want to expand to new markets, introduce new product lines, optimize your human resources, acquire quality certificates, or access new customers in new ways, the favorable credit terms will allow you to take the next step for your business. In addition, improve your business in cooperation with EBRD through consulting projects with a refund of up to 10,000 EUR! Learn more www.ebrdwomeninbusiness.com*.
A representative example for the loan for working capital indexed in EUR, variable interest rate
| Loan amount |
NIR annually, variable (EURIBOR 3M + fixed margin **) | EIR annually | Monthly installment | One time fee |
Repayment period |
|---|---|---|---|---|---|
| EUR 30,000 |
2.47% | 3.03% | 1,282.94 EUR | 0.50% | 24 months |
**Value of 3M EURIBOR on 8th May 2017 is -0.329%.
3M EURIBOR consolidates four times a year, every 08.02, 08.05, 08.08. and 08.11, with the value being determined 2 working days earlier. Margin is fixed. EIR is calculated on the day 07.06.2017.
In calculation of EIR are included following costs***:
• The cost of bills: 50 RSD per bill
• Credit Bureau Reporting Cost: Basic report 600 RSD (per Report),
Own account for owner 102 RSD (by report)
** The expected costs in dinars (absolute value) in the amount of which the bank has no influence.
Representative example for investment credit indexed in EUR, variable interest rate
| Loan amount |
NIR annually, variable (EURIBOR 3M + fixed margin **) | EIR annually | Monthly installment | One time Fee | Repayment period |
|---|---|---|---|---|---|
| 50,000 EUR | 2.47% | 2.99% | 1,095.92 EUR | 0.50% | 60 months |
**Value of 3M EURIBOR on 8th May 2017 is -0.329%.
3M EURIBOR consolidates four times a year, every 08.02, 08.05, 08.08. and 08.11, with the value being determined 2 working days earlier. Margin is fixed. EIR is calculated on the day 07.06.2017.
In calculation of EIR are included following costs***: • The cost of bills: 50 RSD per bill
• Credit Bureau Reporting Cost: Basic report 600 RSD (per Report), own account for owner 102 RSD (by report)
• The cost of property insurance per annum is 40 EUR
• The cost of life insurance per year is 100 EUR
• Cost estimate of real estate 100 EUR
• Cost Certification of pledge statement 10,080 RSD
• 20,000 RSD mortgage fee for establishing a mortgage **
• Expected costs in dinar (the absolute amount) at whose height the bank has no influence.
*Program is funded by EBRD, Luxembourg, Sweden and a special fund of EBRD shareholders
*Program je finansiran od strane EBRD, Luksemburga, Švedske i posebnog fonda akcionara EBRD
