Adriatic Bank offers you a cash loan without a purpose, on favorable terms and a quick procedure.
Loan conditions
- Loan amount: from 1,000 to 21,000 Euros in dinars at the middle rate of the NBS on the day the loan is disbursed
- Repayment term: from 12 to 71 months
- Purpose: Cash loan
- The loan is in dinars, without a currency clause
- No fee for processing the loan application and no obligation to transfer earnings through an account in Adriatic Bank.
* the degree of indebtedness is calculated as the ratio of monthly credit obligations to the amount of monthly income
- Potential users of the loan should have a minimum of one year of work experience for an indefinite period and six months with the last employer. The above must also apply to any guarantor.
- The loan beneficiary and the guarantor cannot be pensioners at the same time.
- A loan can be granted to a client who has not been in arrears for more than 30 days continuously or a total of 60 days in the last 12 months.
- The minimum amount of net monthly average salary/pension is 20,000 dinars.
- For amounts up to EUR 8,500, the maximum degree of indebtedness is 40% or 50%, including a home loan, if it exists, and for amounts over EUR 8,500, the maximum degree of indebtedness is 30%, or 40%, including a home loan.
- Fixed nominal annual interest rate: 14.50%. Effective interest rate of 14.51%
- Variable nominal interest rate on an annual basis: 6.5% + 6M Belibor. Effective interest rate of 7.73%
- Other costs borne by the client:
- The cost of the Credit Bureau report is 246 dinars
- The total cost of two bills is 100 dinars
- Keeping a current account (optional) 120 dinars per month
| Type of loan | Dinar cash loan | |
| Currency loan | In dinars, without currency clause | |
| Deposit | No deposit | |
| Loan amount | 300,000 dinars | 600,000 dinars |
| Repayment period/installment number | 71 months | 71 months |
| Monthly payment | 6,177 dinars | 12,354 dinars |
| Total loan amount with interest | 438,920 dinars | 877,494 dinars |
| Nominal interest rate (annualized) | 14.50% | 14.50% |
| Effective interest rate (on an annual basis, as of March 10, 2020) | 14.55% | 14.53% |
| Costs borne by the user | ||
| The cost of a Credit Bureau report | 246 dinars | 246 dinars |
| Total cost of two bills | 100 dinars | 100 dinars |
| Keeping a current account, monthly expenses (optional) | 120 dinars | 120 dinars |
You can get a detailed offer for other loan amounts in all Adriatic Bank branches.
| Type of loan | Dinar cash loan | |
| Currency loan | In dinars, without currency clause | |
| Deposit | No deposit | |
| Loan amount | 300,000 dinars | 600,000 dinars |
| Repayment period/installment number | 71 months | 71 months |
| Monthly payment | 5,134 dinars | 10,628 dinars |
| Total loan amount with interest | 377,646 dinars | 754,947 dinars |
| Nominal interest rate (annually, variable) | 6.5%+6M Belibo | 6.5%+6M Belibo |
| Effective interest rate (annual, as of March 10, 2020) | 8.32% | 8.29% |
| Costs borne by the user | ||
| The cost of a Credit Bureau report | 246 dinars | 246 dinars |
| Total cost of two bills | 100 dinars | 100 dinars |
| Keeping a current account, monthly expenses (optional) | 120 dinars | 120 dinars |
You can get a detailed offer for other loan amounts in all Adriatic Bank branches.
