Loan for working capital and maintenance of liquidity - Small Business | Societe Generale

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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

Loan for working capital and maintenance of liquidity features

Take advantage of the loan for working capital and maintenance of liquidity for financing of current needs, to refinance of loan you have with another bank or to make international payments.

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), RSD and in foreign currency if the payment is international.

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

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Representative example of loans for working capital and maintenance of liquidity
Representative example of RSD loan for working capital and maintenance of liquidity with fixed interest rate
Loan amount1.000.000 RSD
Repayment period24 months
NIR annually11,95%
Monthly instalment47.135 RSD
Administrative fee (0,5%)5.000 RSD
Costs associated with loan approval, known at the time of publishing
Debtor bill of exchange400 RSD
Owner bill of exchange100 RSD
Debtor Credit Bureau report:600 RSD
Owner Credit Bureau report:102 RSD
EIR annually 13,51 %
Total amount of loan (principal, interest and costs)1.136.230 RSD
EIR calculated on 24/4/2017
Representative example of EUR loan for working capital and maintenance of liquidity with fixed interest rate
Loan amount10.000 EUR
Repayment period24 months
NIR annually6,95%
Monthly instalment448 EUR
Administrative fee (0,5%)50 EUR
Costs associated with loan approval, known at the time of publishing
Debtor bill of exchange400 RSD
Owner bill of exchange100 RSD
Debtor Credit Bureau report600 RSD
Owner Credit Bureau report102 RSD
EIR annually 7,91%
Total amount of loan (principal, interest and costs)10.802 EUR
EIR calculated on 24/04/2017

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.

Representative example of RSD loan for working capital and maintenance of liquidity with variable interest rate
Loan amount1.000.000 RSD
Repayment period24 months
NIR annually6,95% + six-month BELIBOR
Monthly instalment46.525 RSD
Administrative fee5.000 RSD
Costs associated with loan approval, known at the time of publishing
Debtor bill of exchange400 RSD
Owner bill of exchange100 RSD
Debtor Credit Bureau report600 RSD
Owner Credit Bureau report102 RSD
EIR annually 12,05%
Total amount of loan (principal, interest and costs)1.121.598 RSD
EIR calculated on 24/04/2017

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 BELIBOR rate which, on the day of calculation of the example on 24/04/2017 was 3,71% on annual basis.

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