individuals > loans > Consumer loans without down payment
Consumer loans without down payment
Money has not to be an obstacle to your wishes.
The loan may be used for the all purposes: purchasing of white goods, computers, furniture, as well for education costs, holidays, helth services, gasification...
The loans could be used for all kinds of invoiceable goods and services.
Repayment terms: from 12 to 60 months
Fix nominal interest rate: 13% to 16%
Effective interest rate: 16.21% to 19.64%1
Loan amount: 500 EUR to 12,000 EUR in dinars countervalue2
Without down payment
Administrative cost: 2%
No guarantors and no administrative ban
Maximum charge of the paycheck: 30%
| Loan amount |
Monthly installment |
Necessary paycheck |
EIR |
| 200,000 |
4,676 |
15,586 |
16.21% |
Minimal salary for consumer loans indexed in eur is RSD 30.000. Clients with lesser income can take consumer loans in dinars.
DINARS CONSUMER LOANS without foreign currency clause
Repayment terms: from 12 to 60 months
Nominal interest rate: 5,5% to 8,5% + two-week REPO 3
Effective interest rate: 16.79% to 23.91%1
Loan amount: 50,000 dinars to 1,000,000 dinars
No down payment required
Administrative cost: 2%
No guarantors and no administrative ban
Maximum charge of the paycheck: 30%
| Amount loan |
Monthly installment |
Necessary paycheck |
EIR |
| 200,000 |
4,729 |
15,763 |
16.80% |
Note:
Under special conditions we offer the possibility of loans to those clients whose salary is not invoiced on Société Générale banks account and approve loans with increased loan indebtedness.
For additional information, call our info phone (011) 30 11 510 every working
day from 9am to 7pm, Saturdays from 10am to 2pm or visit us in the nearest
branch office.
1 Effective interest rates for consumer loans are calculated on July 6th, 2010.
2 Amounts in euros are calculated in dinars countervalue according to middle exchange rate on that day.
3 REPO is two-week value of referent interest rate of NBS updated every first working day in a month.
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