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Investment Loans

How many times have you found yourselves in the situation where you cannot meet your clients’ or patients’ demands, just because you do not have the adequate business premises or right equipment?

A serious approach to business demands adequate business premises!

How many times have you said you would have known how to decorate your business premises, had they only been in your possession?

With UniCredit Bank’s Investment Loan for Business Premises, you can organize and decorate your business premises the way you have always wanted!

You just need to choose the adequate repayment period which can reach 10 years and the loan amount most suitable to your wishes and needs.

After the approval, the loan amount will be deposited to your current account in dinar countervalue.

Prerequisites
  • Client is registered in Serbia
  • The client conducts its core business for a minimum of two years
  • Account Package BizStandard, BizGold or BizPrestige opened in UniCredit Bank
  • The client had demonstrated positive business result in the last two years
  • All tax liabilities have been settled and paid
  • In the case that the Company account was frozen in the previous 12 months, the maximum allowed period is 15 days
Terms
  • Minimum Loan Amount: EUR 20,000, in dinar countervalue
  • Maximum Loan Amount: EUR 300,000, in dinar countervalue
  • Nominal interest rates: 6M/12M* EURIBOR + 4.75% annually *(12M EURIBOR is using for loans over EUR 100,000)
  • Nominal interest rate for RSD loans: from 1M BELIBOR+ 3.2%
  • Effective interest rate EUR: from 4.67% annually
  • Effective interest rate RSD: from 4.21% annually
  • Down payment: 20%
  • Grace period: 12 months
  • Repayment period: up to 7 years (up to 10 years if the mortgaged residential building)
  • One time fee: 0.9%
  • Monitoring fee: no fee
Mandatory collateral instruments
  • 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.
  • Real-estate insurance policy (over which is constructed first class mortgage) viculated in favor of the Bank
  • 11 certified bills (signed and stamped) by the Company authorized officials and owner.
Representative example
Loan amount Nominal Interest rate Efective interest rate Monthly installment One-time fee Loan maintenance fee Total repayment amount Repayment period
EUR 100,000 4.23% 6M EURIBOR*** + fixed margin 4.75% 4.67% EUR 1,026.47
 0.9% of the loan amount No fee EUR 123,270.03 120 months
RSD
12,000,000		 3.78% 1M BELIBOR** + fixed margin 3.2% 4.21% RSD 120,623.70 0.9% of the loan amount No fee RSD 14,484,951.02 120 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.

 

For all additional information, please do not hesitate to contact us via our Info telephone 011 3777 888 or visit one of our branch offices throughout Serbia.

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How many times have you found yourselves in the situation where you cannot meet your patients’ or clients’ demands and needs, just because you do not have the right equipment?

UniCredit Bank has the right solution for you!

Now, with UniCredit Bank’s Investment Loan you can choose machinery and equipment which satisfy your needs in a best way, as well as the requests of your clients.

Investment Loan for Machinery and Equipment is approved for a repayment period of up to 10 years, in an amount from EUR 20,000 to EUR 300,000, in dinar countervalue.

After the approval, the loan amount will be deposited to your current account, in dinar countervalue.

Prerequisites
  • Client is registered in Serbia
  • The client conducts its core business for a minimum of two years
  • Account Package BizStandard, BizGold or BizPrestige opened in UniCredit Bank
  • The client had demonstrated positive business results in the last two years
  • All tax liabilities have been settled and paid
  • In the case the Company account was frozen in the previous 12 months, the maximum allowed period is 15 days.
Terms
  • Minimum Loan Amount: EUR 20,000, in dinar countervalue
  • Maximum Loan Amount: EUR 300,000, in dinar countervalue
  • Nominal interest rate: 6M/12M* EURIBOR + 4.75% annually, *(12M EURIBOR is used if loan amounts is over EUR 100,000)
  • Effective interest rate EUR: from 4.67% annually
    Effective interest rate RSD: from 4.21% annually
  • Grace period: 12 months
  • Down payment: 20%
  • Repayment period: up to 7(up to 10 years, if the mortgaged residential building)
  • One time fee: 2%
  • Monitoring fee: 0.3% quarterly
Mandatory collateral instruments
  • 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.
  • Real- state insurence policy (over which is constructed first class mortgage) vinculated in favor of the Bank
  • 11 certified bills (signed and stamped) by the entrepreneur owner.
Representative example
Loan amount Nominal Interest rate Efective interest rate Monthly installment One-time fee Loan maintenance fee Total repayment amount Repayment period
EUR 100,000 4.23% 6M EURIBOR*** + fixed margin 4.75% 4.67% EUR 1,026.47
 0.9% of the loan amount No fee EUR 123,270.03 120 months
RSD
12,000,000		 3.78% 1M BELIBOR** + fixed margin 3.2% 4.21% RSD 120,623.70 0.9% of the loan amount No fee RSD 14,484,951.02 120 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.

 

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.

APPLY

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