| Minimum monthly income |
|
| Creditworthiness |
45% / 50% monthly income decreased for all loan obligations without housing loan and 60% monthly net regularly income of mortgage loan borrower after deduction of all charges on loans with or without NMIC insurance (with respect to decisions regarding NBS minimum consumer basket) |
| Needed documentation |
- Loan request
- Notarized certificate of employment (Bank form)
- Copy of health insurance card
- Confirmation on debt on loan/overdraft which is refinansed - annuity plan for loans and current account statement with state debt for overdraft
- Statement for last 3 months for the card which is subject of refinansing or certificate of debt state
For pensionners:
- Cheks for the last 3 months or certificate from PIO fond about average pension for the last 3 months or certification (bank form) stamped and signed by an authorized person from PIO fond
Entrepreneurs without financial statement:
- Notarized certificate of employment,
- decision on the tax base for the current year,
- certificate of paid taxes and contributions,
- statement from Business Registers Agency
- PPDG-5 (for clients who are taxpayers on the basis of the annual Income Tax);
- Administrative order;
- Communal services bill;
- Phone bill;
- ID card copy
|
| Collaterals |
- Obligatory deposit of 30% (from own funds or from loans exclusively in euro)
- Blank promissory note and bill statements
- Conditional assignment order
- Guarantor (as required by Piraeus Bank's credit policy)
|
| Collaterals for loans with 110% deposit |
|
| Interest rate on deposit of 110% |
|
| Repayment |
In equal monthly installments, which shall not be less than 20 euros |
| Fixed costs |
- Processing request - 5 EUR
- Credit bureau report - 205 RSD + PDV (246 RSD)
- Disbursement fee - 2% (one off)
|
| Premature repayment |
|
