Doctors and dentists - Small Business | Societe Generale

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Doctors and dentists

Societe Generale fosters close business cooperation with independent experts from the health care segment. Special offer of our products and services is focused on the development of dental and specialized clinics.

Daily banking offer

Following the needs of your business, we have created three types of business packages that will give you what you need for everyday business

For easier operation and finding the best solution for your company, you have your personal banker at disposal. He can always provide all the information on daily banking and financial support for the development of your business.

Investment offer

For the users of the packages Praktik and Prestiž we have prepared an offer that can not be missed. [2]
We have created a special package of products under very favorable conditions tailored to the companies operating in the field of health care services.

Special package offer includes:


[1] You can see more detailed information on all packages on the page Account packages.  

[2] Offer applies only to companies with annual turnover above 20 million dinars.

Additional information on investment offer

Investment loan CEB

Investment loan CEB of the European Central Bank line is intended to finance long-term investment needs of your company.
If you need an office space for your practice or laboratory, additional medical equipment or other fixed assets to perform your job this loan is the right solution for you.

Basic features of the investment loan CEB special offer:

  • Repayment period up to 84 months
  • Variable interest rate 5,45% + six-month EURIBOR
  • Administrative fee: 0,5% of the loan amount
  • Collateral: Bill of exchange
Representative example of investment loan CEB
Requested amount62.500 EUR
Down payment12.500 EUR
Loan amount50.000 EUR
Repayment period 84 months
NIR annual5,45% + six-month EURIBOR
Monthly installment714 EUR
Administrative fee (0,5%)250 EUR
Expenses related to loan approval, known at the moment of publishing
Debtor bill of exchange1.400 RSD
Owner bill of exchange100 RSD
Debtor Credit Bureau report600 RSD
Owner Credit Bureau report102 RSD
Issuing of real estate folio in the land register10 EUR (in dinar equivalent)
Real estate valuation100 EUR (in dinar equivalent)
Certification of pledge statement10.080 RSD
Mortgage registration20.000 RSD
EIR annual 5,84%
Total loan amount ( (principal, interest and costs)60.189 EUR
EIR calculated on 23/03/2017

The Bank adjusts the outstanding loan amounts indexed in EUR with variations in NBS middle exchange rate for EUR each last day of the month, by applying the exchange rate valid on the respective date against the exchange rate that was in effect on the last day of the previous month, except for the first month when adjustment is made according to the exchange rate that was in effect on the day of loan disbursement. The interest rate is variable and consists of a reference rate - three-month EURIBOR, as a variable rate, and Bank’ margin as a fixed rate, in accordance with Bank’s Tariffs. Variable interest rate is adjusted on the first business day of each month for the current month, in accordance with changes in the reference BELIBOR rate which, on the day of calculation of the example on 23/03/2017 was -0,238 % on annual basis.

Leasing for purchase of vehicles

The right solution for you if you want to renew or expand your company’s fleet. We have prepared a unique offer with lower interest rates and easy approval process.

Current Account Overdraft

Current liquidity is one of the goals that are often not easy to meet. Collection of receivables is late, and many liabilities are coming due. As a solution for occasional financing of current liquidity and the occasional purchase of current assets we recommend current account overdraft.

Basic features of current account overdraft special offer :

  • Loan period: up to 12 months
  • Interest fee 16%
  • No administrative fee
  • Collateral: Bill of exchange


Representative example of current account overdraft
Amount1.000.000 RSD
Overdraft maturity period12 months
NIR annual16%
Administrative fee amount (0%)0 RSD
Expenses related to loan approval, known at the moment of publishing
Debtor bill of exchange200 RSD
Owner bill of exchange100 RSD
Debtor Credit Bureau report600 RSD
Owner Credit Bureau report102 RSD
EIR annual 17,71%
Total loan amount ( (principal, interest and costs)1.090.523 RSD
EIR calculated on 23/03/2017

Additional benefits and services to improve your business

We also think about the individual needs of you as a company owner

  • 50% lower account package maintenance costs for natural persons
  • Leasing for purchase of vehicles with reduced interest rates and with a fast approval process.
  • Mixed life insurance gives you the possibility to insure yourself and your family, and to save at the same time

Employees are the foundation of your company. Benefits that they have with us are:

  • Favorable interest rates for housing, cash and refinancing loans
  • Lower costs of loan products approval

Account package maintenance can be reduced even 50% or completely free of charge if you use your debit card for paying.

Do you have any additional questions?

Write to us using our online contact form, and we will contact you.

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