sberbank.rs Apply for Bonus Loan : Serbia
Organization : Sberbank
Facility : Apply for Bonus Loan
Country : Serbia
Website : https://www.aikbanka.rs/
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Apply Bonus Loan :
The only loan with which you can accomplish all your plans and be rewarded with bonuses. You can use Bonus Loan as a cash loan or refinancing loan.
Related : Sberbank M-Banking Serbia : www.statusin.org/29647.html
How?
If you regularly and fully pay your loan installments, you will receive a BONUS up to 25,000 RSD per year, i.e.1% of the loan amount (given that you fulfill the necessary conditions).
Why?
Because it is the only credit that rewards your loyalty.
About the Bonus Loan :
** Take Bonus Loan and, in addition to the selected amount, you will have the chance of receiving every year a refund amounting to 1% of the total loan. The only condition is to pay your installments on time.
** The maximum refund amount that you can get is 8%. This basically means that if you take a loan for an amount equivalent to 10,000 EUR at an 8 year term and you always pay the installments in full amount and on time, you will get a bonus for a gross amount of 100 EUR per year or 800 EUR for the repayment entire period.
** If the loan is disbursed without CPI insurance, IR will be increased for 1%.
** Insurance included in case of unpredictable life circumstances.
* The client realizes every year legally on 1% return of the loan amount in the event that it has fulfilled the necessary conditions According to Section 85 of the Income Tax Act, to a refund calculate tax of 20%.
Which documents do I need?
** Identity card
** Notarized attachment of salary
** Confirmation about the outstanding debt on the basis of the loan, credit card and/or overdraft(If you are applying for refinancing Bonus loan )
* Additionally, it is possible to request additional documentation, such as certificates of outstanding debt
For more information about this offer please visit the nearest branch of the Sberbank or contact our Contact Centre at +381 11 2257 498
Representative example :
Bonus cash loan with include insurance :
| Loan amount | 500.000 RSD |
| NIR on annual basis: | 12.45% in first 36 months, after 9%+3m Belibor |
| EIR on annual basis | 17.80% |
| Repayment term: | 96 months |
| Total amount of loan (principal and interests): | 792.917,32 RSD |
| Costs accompanying approval of loan: | – Bills of exchange: 100 RSD – Credit bureau report: 246 RSD – Disbursement fee: 2% – Credit sub-account administration (mothly): 210 RSD fixed + 0.15% from initial loan amount |
| Total net BONUS upon payment of 12 installments: | 4.200 RSD |
| Loan amount | 300.000 RSD |
| NIR on annual basis: | 10.95% fixed |
| EIR on annual basis: | 19.23% |
| Repayment term: | 24 months |
| Total amount of loan (principal and interests): | 335.774,32 RSD |
| Costs accompanying approval of loan: | – Bills of exchange: 100 RSD – Credit bureau report: 246 RSD – Disbursement fee: 2% – Credit sub-account administration (mothly): 210 RSD fixed + 0.15% from initial loan amount |
| Total net BONUS upon payment of 12 installments: | 2.520 RSD |
Bonus Loans for Refinancing with include insurance :
| Loan amount | 500.000 RSD |
| NIR on annual basis: | 11.45% fixed in first 36 months, after 8%+3m Belibor |
| EIR on annual basis: | 16.69% |
| Repayment term: | 96 months |
| Total amount of loan (principal and interests): | 766.499,19 RSD |
| Costs accompanying approval of loan: | – Bills of exchange: 100 RSD – Credit bureau report: 246 RSD – Disbursement fee: 2% – Credit sub-account administration (mothly): 210 RSD fixed + 0.15% from initial loan amount |
| Total net BONUS upon payment of 12 installments: | 4.200 RSD |
| Loan amount | 3.000.000 RSD |
| NIR on annual basis: | 11.45% in first 36 months, after 8%+3m Belibor |
| EIR on annual basis: | 18.94% |
| Repayment term: | 96 months |
| Total amount of loan (principal and interests): | 4.595.177,52 RSD |
| Costs accompanying approval of loan: | – Bills of exchange: 100 RSD – Credit bureau report: 246 RSD – Disbursement fee:2% – Credit sub-account administration (mothly): 210 RSD fixed + 0.15% from initial loan amount |
| Total net BONUS upon payment of 12 installments: | 25.200 RSD |