Overdraft Facility bearing fixed interest rate

JUBMES banka may approve to you an overdraft facility under your individual current account, if you regularly receive a salary or pension through the account, recording a positive balance at the time of the overdraft approval. Upon your request, the Bank may approve the overdraft facility, as soon as the first income is credited to your account.

An overdraft approval may be granted upon your written application upon the Bank make assessment of the following data: applicant’s average account income for three months period (account turnover), Credit Bureau Report, employer’s confirmation on applicant’s last three month’s net salary / last pension check (concerning new clients who at the time of application do not have three month’s salary / pension income) and confirmation on deposited security instruments.

Product’s characteristics:

Credit amount:Maximum up to 1,5 of the net average salary in the three previous months, not exceeding 1.000.000 RSD
Credit currency:RSD
Repayment period:Up to 12 months
Depozsit/participation:/
Nominal interest rate per month:2,00%
Interest rate calculation method:Conform method
Credit processing fee:500 RSD
Credit repayment:Flat upon maturity
Credit disbursement:By calculation of the authorized overdraft under the current account
Security instruments: Two applicants blank solo bills of exchange

 

Example:

Authorized overdraft

Repayment

NKS(%)

EKS(%)

Interest gross amount

Total

100.000,00

12 months

27,24

28,41

27.164,06

127.164,06

+38111 2205 647
Credit burreau charge:246,00 RSD
Fee for two bills of exchange:100,00 RSD
Fee:600,00 RSD