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complete rate

Variable Interest Rate in Dinars

Retail banking     Loans    Cash loans    Variable Interest Rate in Dinars

Variable Interest Rate Cash Loans in Dinars

If your monthly earnings are not adjusted with foreign exchange rate fluctuations, we recommend Dinar loans.
  • Not indexed
  • Loan amount: from RSD 50,000 to RSD 1,000,000 1
  • Maturity from 12 months up to 5 years
  • Optional grace period up to 18 months 2
  • Loan processing fee: 2% of loan amount
  • Bill of exchange: RSD 50
  • Cost of Credit bureau basic report: RSD 246
  • No deposit
  • No endorsers
  • Administrative ban is not required
  • Maximum salary burdening will be estimated for each client individually
  Representative example of variable interest rate cash loans in Dinars  
  Loan amount RSD Maturity NIR
(annually)		 Monthly payment RSD EIR
(annually)		  
  100.000 dinars 36 months 8,9% + six months
BELIBOR 3		 3.790 dinars 25,96%  
  200.000 dinars 60 months 8,9% + six months
BELIBOR 3		 5.474 dinars 25,12%  

For loan amount of 100.000 dinars total cost during the loan repayment is 138.975 dinars.
For loan amount of 200.000 dinars total cost during the loan repayment is 332.732 dinars.

Effective Interest Rate is calculated as of December 17th 2012
 
Note:
We have special loan offers for customers who do not receive their monthly salary in Societe Generale Bank and we approve loans with extended credit limits. For customers with monthly earnings of up to RSD 30,000 the longest loan maturity is 36 months.
 
1 At least RSD 100,000 for loans with maturity exceeding 36 months.
2 Minimum loan maturity 24 months. During the grace period only interest is paid.
3 The interest rate is variable and consists of a reference rate - six months BELIBOR rate as a variable part, and the margin of the Bank, as fixed part, in accordance with the tariffs of the Bank. The variable interest rate is adjusted, on the first working day of every month, in accordance with the reference rate change. The value of a six months BELIBOR rate used for expression the interest rate shown on December 17th 2012, was 12,43%.
  
For all additional information please call 0800/ 344-344 free of charge, every working day from 9 a.m. until 7 p.m., on Saturdays from 10 a.m. until 2 p.m. or visit us in the nearest branch.

 
The Bank reserves the right not to approve a loan and to ask for additional documents or guarantees.