Investment loan - Small Business | Societe Generale

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Investment loan

Investment loan is intended for investing into
long-term plans such as financing of fixed assets.

Investment loan features

Use the investment loan for purchase of equipment, vehicles or office space, renovation of an existing office space and refinancing of a loan at another bank.

Currencies in which the loan is granted are EUR, in dinar equivalent at the average exchange rate of NBS on the day of loan disbursement and RSD.

  • In dinar equivalent at the average exchange rate of NBS on the day of submitting the application.

  • The interest is also calculated and charged on monthly basis during the grace period.

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Representative examples of investment loans
Representative example of investment loan in RSD
Total investment amount7.500.000 RSD
Down payment1.500.000 RSD
Loan amount6.000.000 RSD
Repayment period120 months
NIR annually9,95% + six-month BELIBOR
Monthly instalment92.680 RSD
Administrative fee (1%)60.000 RSD
Costs associated with loan approval, known at the time of publishing
Debtor bill of exchange2.000 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
Property insurance40 EUR (in dinar equivalent)
EIR annually 15,11%
Total loan amount ( (principal, interest, costs)13.364.048 RSD
EIR calculated on 17/03/2017

The interest rate is variable and consists of a reference interest rate - six-month BELIBOR, 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 interest rate which, on the day of calculation of the example on 17/03/2017 was 3,71% on annual basis.

Representative example of investment loan in EUR
Total investment amount62.500 EUR
Down payment12.500 EUR
Loan amount50.000 EUR
Repayment period120 months
NIR annually7,95% + six-month EURIBOR
Monthly instalment602 EUR
Administrative fee (0,5%)250 EUR
Costs associated with loan approval, known at the time of publishing
Debtor bill of exchange2.000 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
Property insurance40 EUR (in dinar equivalent)
EIR annually 8,51 %
Total loan amount ( (principal, interest, costs)72.503 EUR
EIR calculated on 17.03.2017.

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 - six-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 17.03.2017. was -0,238% on annual basis.

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Loan for working capital and maintenance of liquidity

The loan for working capital and maintenance of liquidity is approved quickly and with minimal collateral instruments. Save your time and focus your attention to the important aspects of your business

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