RSD cash loans with the currency clause

  • Fixed interest rate;
  • Quick loan execution after simple procedure;
  • No hidden charges;
  • You have no obligation to direct your income to account with JUBMES banka;
  • For amounts up to RSD 900.000 no endorser required.

Product Basic Features

Loan typeRSD Cash loan with the currency clause
Loan currency EUR
Indexation criteria In RSD conter-value under NBS medium rate on the disbursement date
Loan amount 100,00– 12.000,00 EUR depending on applicant’s credibility
Repayment period 6 - 72 months
Deposit/participation Deposit 30% (interest on deposit 0,1% p.a.)
Interest calculation method compounded
Fixed nominal interest rate p.a. 8 – 9% (for applicants having regular monthly income to account held with Jubmes banka )

10% (for others)

Security Instruments

2 (two) solo bills of exchange with the „no protest“ clause and/or solo bill of exchange signed by one endorser having credibility for loans over RSD 900,000,00.
Charges to be borne by the applicant, (charges recognized in the moment of contracting, which are applied in calculation of effective interest rate)
Fee for processing of the Loan Application 1 - 1,50 % od iznosa kredita, jednokratno unapred
Charges for the Credit Bureau Report (for applicant) RSD 246,00
Charges for the Credit Bureau Report (for endorser) RSD 102,00
Bill of Exchange (one) RSD 50,00

Documentation required with the Loan Application

  1. Completed Application Form for loan product (1 copy in original);
  2. Conformation on employment and income of the loan user/endorser certified by the employer (1 copy in original, signed and certified by the employer’s authorized persons)
  3. Personal identification document of the applicant/endorser (1 copy – photocopy);
  4. Decision on inscription in Courts Registry - only for owners of agencies and independent shops (photocopy - original for inspection) 1 copy;
  5. Decision concerning Tax on income issued by Tax Office (original for inspection) only for owners of agencies and independent shops;
  6. Certification on paid tax on income and tax basis issued by Tax Office - only for owners of agencies and independent shops (photocopy - original for inspection);1 copy;
  7. PPDG-5 form required for all applicants being tax payers in conformity with the Individual Income Tax Law (photocopy - original for inspection) 1 copy;
  8. Bank’s statement on turnover on the current account for previous three months (if no account opened with the Bank) original, issued by the bank where applicant has current account with regular income (1 copy);
  9. Pension checks from previous three months (for pensioners) - Original or photocopy (1 copy)
  10. Consent of applicant/endorser that the Bank may require the report from the Credit Bureau (original signed by the applicant/endorser)1 copy;
  11. Decision on Administrative Order / Original certified by the employer of the applicant/endorser / 2 copies
  12. Permanent order for settlement of the borrower’s obligations (Original signed by the client) - 2 copies
  13. Draft Authorization for applicant / endorser / Original signed by applicant/endorser / 2 copies
  14. Confirmation on the received valuables / Original signed by the applicant /3 copies;
  15. Questionnaire for individual clients (trasante) - Original signed by the client - 1 copy;
  16. Questionnaire on connected persons – Original signed by the applicant – one copy

All required documents should be presented by the applicant personally

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