Header Potrošački krediti

Expobank JSC Belgrade allows you to buy new and used vehicles on a loan with a repayment period up to 7 years, in RSD without a currency clause.

  • No participation for loans up to EUR 8.000 in RSD counter value.
  • For loan amounts above EUR 8.000 in RSD counter value a minimum participation of 20% of the purchase price of a vehicle is required.
  • Loan security:
    - Two accepted blank bill of exchange
    - Pledge on the vehicle that is the subject of the purchase (the client shall bear the costs of establishing the pledge on the vehicle, which amount from RSD 1.000 to RSD 6.000, depending on the amount of the approved loan).
    - For loans exceeding EUR 10.000 in RSD counter value, the KASKO insurance policy for vehicle vinkulated in favor of the bank is required (the client is charged with the cost of KASKO insurance).
  • Customer permanently employed at least one year in continuity and at least six months at same company.
  • The client can buy a vehicle for a close family member on whose name will be registered the vehicle.
  • Option of choosing between a fixed and a variable interest rate:
    - The fixed interest rate remains in force from the moment of contracting to the final repayment of the loan
    - The variable interest rate is adjusted every 6 months depending on the movement of 6M Belibor .
  • Other costs:
    - Basic report from the Credit Bureau - RSD 246
    - Bill of exchange (two of them)       - RSD 100
A representative example of the loan with variable interest rate
Type of loan Consumer loan for car purchase
Loan currency In RSD without currency clause
Deposit No deposit
Participation Without obligatory participation for loan amounts up to EUR 8.000 in RSD counter value, and above the specified amount, minimum 20%
Loan amount RSD 800.000
Maturity Up to 84 months
Nominal interest rate (annual) 4,5%+6M Belibor, which on 23.07.2018. amounts to 7,56% per annum
Monthly annuity RSD 12.198
Effective interest rate (annually) on 23.07.2018. from 7,74%
Total amount for repayment RSD 1.024.927
Other costs
Basic report from the Credit Bureau RSD 246
Bill of exchange (two of them) RSD 100
The cost of establishing a pledge on a vehicle RSD 3.000
The cost of KASKO insurance Clients are obliged to insure KASKO car insurance only for loans exceeding EUR 10.000, in dinar counter value. The amount of vehicle KASKO insurance depends on the particular insurance company.

Detailed offer for other loan amounts can be obtained in the branches of Expobank JSC Belgrade.

A representative example of the loan with fixed interest rate
Type of loan Consumer loan for car purchase
Loan currency In RSD without currency clause
Deposit No deposit
Participation Without obligatory participation for loan amounts up to EUR 8.000 in RSD counter value, and above the specified amount, minimum 20%
Loan amount RSD 800.000
Maturity Up to 84 months
Nominal interest rate (annual) 14,5%
Monthly annuity RSD 14.828
Effective interest rate (annually) on 23.07.2018. from 14,71%
Total amount for repayment RSD 1.246.125
Other costs
Basic report from the Credit Bureau RSD 246
Bill of exchange (two of them) RSD 100
The cost of establishing a pledge on a vehicle RSD 3.000
The cost of KASKO insurance Clients are obliged to insure KASKO car insurance only for loans exceeding EUR 10.000, in dinar counter value. The amount of vehicle KASKO insurance depends on the particular insurance company.

Detailed offer for other loan amounts can be obtained in the branches of Expobank JSC Belgrade.

Loan calculator
Interest rate (%):
Loan amount:
No of rate:
Amount of annuity:
Referentne kamatne stope
3M BELIBOR 3.06%
6M BELIBOR3.21%
3M EURIBOR-0.308%
6M EURIBOR-0.236%
6M LIBOR - CHF-0.6304%
važe na dan 18.01.2019.