Current account overdraft
Overdraft is a type of short-term loan that is always at your disposal!
Current account overdraft – clients with regular earnings inflow
Loan amount
- Loan equal to one average earning in the last 3 months
- minimum 10.000 RSD for employees / without minimum for pensioners
- maximum 500.000 RSD
Loan terms
- Interest rate:
- 2,00% per month for overdraft, fixed for the period validity of overdraft (26.82% annually), calculated according to the conform method, EIR 27,44% annually (calculated on 01.12.2011. under the assumption that total approved overdraft limit of 500.000 RSD on 12 months was used at once, on the whole)
- 4,00% per month for unauthorized overdraft (60,10% annually) fixed for the period validity of overdraft, calculated according to the conform method
- Loan repayment term: up to 12 months in full on due date
Costs
- Loan processing fee: free of charge
- Early loan repayment fee: free of charge
- Bill of exchange: 50 RSD
- Credit bureau basic report: 205 RSD
Collateral instruments
- 1 blank personal bill of exchange with a no protest clause or
- Blank personal bill of exchange signed by a guarantor
- Administrative order in accordance with required documentation
Requested documentation
- Loan application form (Bank’s form)
- Certified data on loan applicant’s employment and income for employees / decision on retirement or Confirmation on amount of pension issued by Pension Fund (for pensioners who are not Bank’s clients)
- Certified data on income by Social Insurance; not required for pensioners who receive their pension through the KBC Banka
- Wage slips for the previous 3 months and current account statement, if required (required for Bank’s non-clients) / 3 last pension cheques and current account statement for the past 3 months if required (required for pensioners who are not Bank’s clients)
- Administrative order on salary / AZ1 and AZ2 (for pensioners who are not Bank’s clients)
- Photocopy of ID card of loan applicant
- Photocopy of medical booklet
General terms and criteria for granting retail loans
KEEP IN CLOSE TOUCH WITH YOUR MONEY WHEREVER YOU ARE
Most contemporary Online Banking service of KBC Banka enables you to monitor repayment of your loan at any time and at any place!
For additional information please call KBC Info telephone number (011) 30-50-575 any work day from 9:00 until 18:00 or visit our nearest branch office