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Exchange rate for foreign banknotes 25.05.2013.
 KupovniProdajni
E M U EUR109.1776112.728
SVAJCARSKA CHF88.448492.0549
S A D USD83.554986.7882
V.BRITANIJA GBP129.0394134.3009
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Piraeus Bank

Euro Cash loan for clients without account in Piraeus Bank

EURO CASH LOAN
Repayment period
    Minimum 6 months
    Maximum 60 months
Loans amount
    500 - 15,000 EUR*
Nominal interest rate, variable

*Method of calculating interest is proportional
    6m euribor** + 17.5% fixed marge
    (17.81% on 12/20/2012)

    Interest is variable in part of reference rate. Interest rate is variable part of the reference interest. Variable interest rate will be adjusted semi-annually, in part of reference interest, in accordance with 6m Euribor changes.
Effective interest rate
    from 24.69%
Penalty interest rate
    In case of arrear or failure to pay any monetary obligations of the Borrower to the Bank on time, the Bank will charge penalty interest at a rate determined by the default interest rate ("Sl. glasnik RS", br. 119/2012) (legal interest), starting from the due date until the date of full settlement of due and arrears. The default interest rate is determined on an annual basis in the amount of the interest rate of the European Central Bank to its main refinancing operations increased by 8 (eight) percentage points and it was published on the website of the National Bank of Serbia www.nbs.rs.
Collaterals
  • Obligatory deposit of 30% (from own funds or from loans exclusively in euro)
  • Blank promissory note
  • 2 bill statements
  • Conditional assignment order
  • Guarantor (as required by Piraeus Bank's credit policy)
Interest and method of calculating interest on obligatory deposit
  • Nominal interest rate on obligatory deposit is 0.10%
  • Method of calculating interest is proportional
Repayment
    In equal monthly installments, which shall not be less than 20 EUR
Loans costs
(fixed costs)
  • Processing request - 5 EUR
  • Credit bureau report - 205 RSD + PDV (246 RSD)
  • Disbursement fee - 2% (one off)
Premature repayment
    0%
Interkalar interest
    Interkalar interest deducted from the loan amount
Exchange rate
  • For payment/repayment:
    official middle exchange course of NBS
  • For fee calculation:
    official middle exchange course of NBS

* currency clause – euro

** Six months euribor on 12/20/2012 is 0.31%.
EUR middle exchange course on 12/20/2012 is 113.50 RSD.

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