SPECIAL OFFER OF CASH AND REFINANCING LOANS „HALK PACKAGE Tailored for You“ for employees of public companies and institutions, and partners of the Bank

Dear clients,

We would like to present you our special offer of „HALK PACKAGE Tailored for You“ for employees of public companies and institutions, and partners of the Bank under our most favourable  conditions.


„HALK PACKAGE Tailored for You“ includes the following products:

1. Current account package (Silver or Gold)

2. Cash loan / Refinancing loan

3. Credit card – Mastercard World

4. Overdraft (no front-end fee)

Users of this package are exempt from paying membership fee for the credit card:

  • GOLD current account – for the first 6 months after the credit card activation
  • SILVER current account – for the first 4 months after the credit card activation

Terms and conditions of a loan and Mastercard World credit card with the Gold current account package

  Loan terms and conditions Terms and conditions of Mastercard World credit card Overdraft
Amount
(depending on creditworthiness)
Up to 2.000.000,00 RSD From 250,00 EUR to 2.500,00 EUR
(in dinar equivalent)
Up to the salary amount, maximum RSD 100.000
Loan/credit card currency RSD RSD  RSD
Maturity in months Up to  36  24
Down payment None None None
Monthly obligation Depending on the loan amount 5% minimum 1.000,00 RSD
(minimum monthly obligation)
 -
Nominal interest rate (p.a.) From 5,95% p.a. fix first 3 months, after that 5,95% p.a. + 6m BELIBOR (variable) 18,00% (fixed)   24,00% fixed
Front-end fee None None None
Repayment In monthly annuities In equal monthly instalments  In a lump sum  
Obligation of salary transfer Yes Yes  Yes
Collateral Promissory note   Promissory note   Promissory note 

 

Representative example of a cash loan with the Gold current account package

Salary transfer Yes
Loan amount 1.000.000,00 RSD
Down payment None
NIR (p.a.) 5,95% p.a. fix first 3 months, after that 5,95% p.a.+ 6m BELIBOR
Maturity 71 months
Monthly annuity 16.669,82 RSD first 3 months, after that 17.727,23 RSD
Front-end fee None
Total amount to be repaid 1.255.460,98 RSD
Other costs 246,00 RSD Credit Bureau
50,00 RSD promissory note
Collateral Promissory note
EIR 8,19%

Calculated as on 27.07.2022

Representative example of Mastercard World credit card with the Gold current account package

Salary transfer Yes
Credit card limit 200.000,00 RSD
NIR (monthly) 1,50%
Maturity 36 monthly
Monthly instalment 12,730.00 RSD
Total amount 274.987,01 RSD
Other costs 246,00 RSD Credit Bureau
50,00 RSD Promissory note
100,00 RSD Monthly membership fee (no fee for the first 6 months)
495,00 RSD Monthly maintenance of the Gold current account package
Collateral Promissory note
EIR 29,25%

Calculated as on 27.07.2022

Representative example of overdraft

Salary transfer Yes
Loan amount 50.000,00 RSD
Down payment None
NIR (p.a.) 24,00%
Maturity 24 months
Monthly annuity -
Front-end fee None
Total amount to be repaid 71.995,88 RSD
Other costs 246,00 RSD Credit Bureau
50,00 RSD Promissory note
Collateral Promissory note
EKS 24,45%

 

Gold current account package includes:

  • Dinar current account
  • EUR current account
  • DinaCard debit card
  • Mastercard Gold International debit card
  • SMS
  • Card Alarm
  • Cheques (no issuance fee)
  • Electronic and mobile banking (first 3 orders with no fee)
  • SMS Info
  • Standing order
  • Travel health insurance (for policy holder and close family members)
  • Roadside assistance insurance
  • Premium Call Centre service 24h/7