The personal current account Overdraft represents an optimal solution for overcoming the current needs for financial resources. You can use these funds at any time, within the agreed limit, without previous notice.
Interest is paid only for days and amount in use, which allows maximum control over costs based on interest for a given product.
Maximum overdraft amount
|To the amount of net earnings|
|Term for overdraft||Up to 24 months|
|Nominal interest rate||24% annualy, fixed|
|Effective interest rate||25,40% annualy|
|Loan security||One accepted blank bill of exchange of the client|
|Early repayment||The Bank does not charge a fee for premature repayment of Overdraft. If the client wants to execute the allowed minus per current account, he/she is obliged to settle the debt on the account in full with the corresponding interest.|
|Other costs||Basic report from the Credit Bureau - RSD 246
Bill of exchange - RSD 50
Monthly maintenance of payroll current account - RSD 120
|Overdraft amount||RSD 50.000|
|Period of use||24 months|
|Total interest||RSD 26.880|
|The total amount that a customer has to pay||RSD 80.056|
Detailed offer can be obtained in the branches of Expobank JSC Belgrade.