Variable interest rate consumer loan in RSD - Retail | Societe Generale

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Variable interest rate consumer loan in RSD

Why not - treat yourself, take a weekend trip, enrol in a programming course or in an exotic language course. And we will help you bear the costs smoothly. You will settle obligations in no time and will be grateful to yourself for a long time.

Main features of a variable interest rate consumer loan in RSD

Consumer loan is a type of loan with the purpose predefined by pro-forma invoice issued for a desired product or service.*

*Beneficiary may use loan funds granted only for said purpose. The Bank reserves the right to make a decision on the loan approval, as well as to request additional documents and guarantees.

  • With loan duration period of 24 months minimum. During grace period only interest is paid.

  • You’ve always refused the possibility to be insured even though you know that life insurance, for you as a loan beneficiary, is an important issue in the life of your family? Arrange the insurance in a few steps and safely repay your loan. Think ahead.  For the amount you would spend on meaningless things in life, insure your life and the lives of your family members. In the event of unforeseen life circumstances, the insurance company will repay your outstanding loan balance.

Representative example
Loan amount200.000 RSD
Repayment period60 months
NIR annually7,95% + six-month BELIBOR
Monthly instalment4.431 RSD
Administrative fee (2,95%)5.900 RSD
Costs associated with loan approval, known at the time of publishing
Bill of exchange50 RSD
Credit Bureau basic report246 RSD
EIR annually 14,03%
Total amount of loan (principal, interest and costs)272.059 RSD
EIR calculated on 15.03.2017.

The interest rate is variable and consists of a reference rate - six-month BELIBOR as a variable rate, and Bank’ margin as a fixed rate, in accordance with Bank’s Tariffs. The variable interest rate is adjusted on the first business day of each month in accordance with changes in the reference rate which, on the day of calculations for the sake of this representative example, i.e. on 15.03.2017. stood at 3,71% annually.

Additional information about loan

Maximum salary withholding is estimated for each client individually

List of required documents for variable interest rate consumer loan in RSD
List of required documents for variable interest rate consumer loan in RSD

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