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Trade, wholesale - importers

Experience in cooperation with a number of commercial facilities, have enabled us to form a special offer of banking products and services for this segment, aimed at the facilitated business and development in the trade segment, wholesalers - importers.

Daily banking offer

Following the needs of your business, we have created two types of business packages that will give you what you need for everyday business

For easier operation and finding the best solution for your company, you have your personal banker at disposal. He can always provide all the information on daily banking and financial support for the development of your business.

Investment offer

For the users of the packages Praktik and Prestiž we have prepared an offer that can not be missed. [2]
We have created a special package of products under very favorable conditions tailored to the companies operating in the field of trade.

Special package offer includes:

 

[1] You can see more detailed information on all packages on the page Account packages.  

[2] Offer applies only to companies with annual turnover above 20 million dinars.

Additional information on investment offer

Loan for liquidity and working capital

Granted quickly with minimal collateral and thus saves your time and money.

We have prepared for you special favorable conditions because we know that to do business in the field of trade – wholesalers and importers, often requires additional funds for the settlement of accounts payable to suppliers, purchase of additional goods and other current assets.

  • Repayment period up to 24 months
  • Fixed interest rate for loan indexed in EUR 4,95% and 8,95% for loan in RSD
  • Fee for loan processing: 0,5% of the loan amount
  • Collateral: Bill of exchange

Representative examples of loan for liquidity and working capital

Representative examples of loan for liquidity and working capital in dinars
Representative example of RSD loan for working capital and maintenance of liquidity with fixed interest rate
Loan amount1.000.000 RSD
Repayment period24 months
NIR annually7,50%
Monthly instalment45.008 RSD
Fee for loan processing (1%)*5.000 RSD
Costs associated with loan approval, known at the time of publishing
Debtor bill of exchange350 RSD
Owner bill of exchange50 RSD
Debtor Credit Bureau report:600 RSD for entrepreneur, 1440 for corporate
Owner Credit Bureau report:246 RSD
Tax certification fee640 RSD
Monthly fee for current account**450 RSD
EIR annually 10,11 %
Total amount of loan (principal, interest and costs)1.102.909 RSD
EIR calculated on06.05.2021.

*On the total approved loan amount **Included in the EIR calculation for clients who opened the account when applying loan

Representative examples of loan for liquidity and working capital in EUR
Representative example of EUR loan for working capital and maintenance of liquidity with fixed interest rate
Loan amount*10.000 EUR
Repayment period24 months
NIR annually6,15%
Monthly instalment444 EUR
Fee for loan processing (1%)**100 EUR
Costs associated with loan approval, known at the time of publishing
Debtor bill of exchange350 RSD
Owner bill of exchange50 RSD
Debtor Credit Bureau report600 RSD for entrepreneur, 1440 for corporate
Owner Credit Bureau report246 RSD
Tax certification fee640 RSD
Monthly fee for current account***450 RSD
EIR annually 8,46%
Total amount of loan (principal, interest and costs)10.863 EUR
EIR calculated on06.05.2021.

* The Bank adjusts the outstanding loan amounts indexed in EUR with variations in NBS middle exchange rate for EUR each last day of the month, by applying the exchange rate valid on the respective date against the exchange rate that was in effect on the last day of the previous month, except for the first month when adjustment is made according to the exchange rate that was in effect on the day of loan disbursement. **On the total approved loan amount ***Included in the EIR calculation for clients who opened the account when applying loan

Leasing for purchase of vehicles

The right solution for you if you want to renew or expand your company’s fleet. We have prepared a unique offer with lower interest rates and easy approval process.

 

Current Account Overdraft

Current liquidity is one of the goals that are often not easy to meet. Collection of receivables is late, and many liabilities are coming due. As a solution for occasional financing of current liquidity and the occasional purchase of current assets we recommend current account overdraft.

Basic features of current account overdraft special offer :

  • Loan period: up to 12 months
  • Interest fee 16%
  • No fee for loan processing
  • Collateral: Bill of exchange
Representative example of current account overdraft
Representative example of current account overdraft
Amount500.000 RSD
Overdraft maturity period12 meseci
NIR annually19% fixed
Overdraft (1%)*5.000 RSD
Expenses related to loan approval, known at the moment of publishing
Debtor bill of exchange100 RSD
Owner bill of exchange50 RSD
Debtor Credit Bureau report600 RSD for entrepreneur, 1440 for corporate
Owner Credit Bureau report246 RSD
Tax certification fee640 RSD
Monthly fee for current account**450 RSD
EIR annually 22,48%
Total amount of overdraft (principal, interest and costs)***607.036 RSD
EIR calculated on06.05.2021.

*On the total approved overdraft amount **Included in the EIR calculation for clients who opened the account when applying for overdraft *** Total amount returned by the overdraft beneficiary at the end of the contractual period if the overdraft was used in its full amount in the course of 12 months

Calculate your instalment on the assumption of the variable part of the interest rate change and/or exchange rate change

Access the calculator of the National Bank of Serbia

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    Offer for small import companies

    Forget about complicated procedures and changing conditions when working abroad. We have created an offer that will facilitate your business, from procurement to collection of receivables.

    Additional benefits and services to improve your business

    • Refinancing loan that will help you consolidate all your liabilities, reduce the monthly instalment, extend the period of repayment and all under very favorable terms.
    • Documentary operations, issuing letters of credit and guarantees at the request of the client, which facilitates your business both at home and abroad.
    • Discount loans is the optimal way to finance the regular course of business through your customers’ credit without interest for a certain period of repayment and with a simplified procedure of approval and repayment.

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