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  • It is time for rest! Expobank JSC Belgrade allows You to enjoy in achieving the goals and plan your obligations with a RSD cash loan. We offer You the opportunity to relax your home budget with a grace period of up to a year.
  • The premium Premium account can be activated with a RSD cash loan with a grace period, which allows You to use additional benefits.

Conditions of the RSD cash loan with a grace period:

  • Loan amount from EUR 1.000 to EUR 12.000 in RSD counter value at the middle exchange rate of the NBS
  • The loan is in dinars, without currency clause
  • Grace period of up to a 12 months
  • With a repayment period from 12 to 95 months (including a grace period)
  • Option of choosing between a fixed and a variable interest rate
    • the fixed nominal interest rate is 14,5% per annum, and the effective interest rate in this case is 14,53% per annum (as of 16.01.2019.)
    • the variable nominal interest rate is 6,5% + 6M Belibor, which on 16.01.2019. amounts to 9,69% per annum. The variable part of the interest rate is adjusted every six months according to the movement of 6M Belibor. The effective interest rate, calculated on 16.01.2019. amounts to 9,71% per annum.
  • During the grace period, the client is obliged to pay only the corresponding amount of monthly interest.
  • Customer permanently employed at least one year in continuity and at least six months at same company. The same applies to a potential guarantor.
  • Customer and guarantor can’t be a pensioner at the same time.
  • The loan is granted to the customers who have been duly servicing their obligations, with delay in payment no longer than 60 days cumulative.
  • Minimum amount of net monthly average salary/pension is RSD 20.000.
  • Loan security: Minimum security is two accepted blank bill of exchange of the client and for amounts above EUR 6.250 one creditworthy guarantor is required. If DTI ratio is less than 50%, creditworthy guarantor is obliged for amounts over EUR 10.000.
  • Debt to income ratio (DTI ratio) is calculated by dividing total monthly liabilities with regular monthly income.
A representative example of the RSD cash loan with a grace period
Type of loan Cash loan in RSD
Loan currency In dinars without currency clause
Deposit No deposit
Grace period option Without grace period With grace period
Loan amount RSD 400.000 RSD 400.000
Maturity 95 months 83 months
Grace period - 12 months
Monthly interest during the grace period - RSD 4.627
Monthly annuity RSD 6.900 RSD 7.464
Monthly interest during the grace period RSD 656.834 RSD 675.268
Nominal interest rate (annual, fixed) 14,5% 14,5%
Effective interest rate (annually) as of 16.01.2019. from 14,53% from 14,53%
Other costs
Basic report from the Credit Bureau RSD 246 RSD 246
Bill of exchange (two of them) RSD 100 RSD 100

 

A representative example of the RSD cash loan with variable interest rate
Type of loan Cash loan in RSD
Loan currency In dinars without currency clause
Deposit No deposit
Grace period option Without grace period With grace period
Loan amount RSD 400.000 RSD 400.000
Maturity 95 months 83 months
Grace period - 12 months
Monthly interest during the grace period - RSD 3.154
Monthly annuity RSD 5.960 RSD 6.548
Total amount for repayment RSD 567.142 RSD 581.540
Nominal interest rate (annual, variable) 6,5%+6M Belibor, calculated on 16.01.2019.  amounts to 9,69% per annum 6,5%+6M Belibor, calculated on 16.01.2019.  amounts to 9,69% per annum
Effective interest rate (annually) as of 16.01.2019. from 9,72% from 9,71%
Other costs
Basic report from the Credit Bureau RSD 246 RSD 246
Bill of exchange (two of them) RSD 100 RSD 100

Detailed offer for other loan amounts can be obtained at all Expobank JSC Belgrade branches.

Loan calculator
Interest rate (%):
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Referentne kamatne stope
3M BELIBOR 3.4%
6M BELIBOR3.55%
3M EURIBOR1.16%
6M EURIBOR1.8%
6M LIBOR - CHF0%
važe na dan 03.10.2022.