Loan for working capital and maintenance of liquidity | OTP banka Srbija
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Loan for working capital and maintenance of liquidity

The loan for working capital and maintenance of liquidity is approved quickly and with minimal collateral instruments. Save your time and focus your attention to the important aspects of your business

Working Capital and Liquidity Maintenance Loan Features

Take advantage of the loan for working capital and maintenance of liquidity for financing of current needs, to refinance of loan you have with another bank or to make international payments.

The loan is approved in EUR (in the dinar counter value at the NBS middle exchange rate as of loan disbursement date), RSD and in foreign currency in the event of foreign payment.

  • In dinar equivalent at the average exchange rate of NBS on the day of submitting the application.

  • In the dinar counter value at the NBS middle exchange rate as of loan disbursement date

  • In the dinar counter value at the NBS middle exchange rate as of loan disbursement date

  • In the dinar counter value at the NBS middle exchange rate as of loan disbursement date

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Representative example of loans for working capital and maintenance of liquidity
Representative example of RSD loan for working capital and maintenance of liquidity with fixed interest rate
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 example of EUR loan for working capital and maintenance of liquidity with fixed interest rate
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

Representative example of RSD loan for working capital and maintenance of liquidity with variable interest rate
Representative example of RSD loan for working capital and maintenance of liquidity with variable interest rate
Loan amount1.000.000 RSD
Repayment period36 months
NIR annually*6% + three-month BELIBOR
Monthly instalment30.823 RSD
Fee for loan processing**10.000 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 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 9,01%
Total amount of loan (principal, interest and costs)1.137.748 RSD
EIR calculated on06.05.2021.

* The interest rate is variable and consists of a reference interest rate - six-month BELIBOR, as a variable rate, and Bank’ margin as a fixed rate, in accordance with Bank’s Tariffs. Variable interest rate is adjusted on the first business day of each month for the current month, in accordance with changes in the reference BELIBOR rate which, on the day of calculation of the example on 06.05.2021. was 0,87% on annual basis. **On the total approved loan amount ***Included in the EIR calculation for clients who opened the account when applying loan

Representative example of EUR loan for working capital and maintenance of liquidity with variable interest rate
Representative example of EUR loan for working capital and maintenance of liquidity with variable interest rate
Loan amount*10.000 EUR
Repayment period36 months
NIR annually**6,15% + three-month EURIBOR
Monthly instalment303 EUR
Fee for loan processing100 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 7,50%
Total amount of loan (principal, interest and costs)11.146 EUR
EIR calculated on06.05.2021.

* The interest rate is variable and consists of a reference interest rate - three-month EURIBOR, as a variable rate, and Bank’ margin as a fixed rate, in accordance with Bank’s Tariffs. Variable interest rate is adjusted on the first business day of each month for the current month, in accordance with changes in the reference EURIBOR rate which, on the day of calculation of the example on 06.05.2021. was -0.531% on annual basis. **On the total approved loan amount ***Included in the EIR calculation for clients who opened the account when applying loan

Calculate your instalment on the assumption of the exchange rate change

Access the calculator of the National Bank of Serbia here

Do you have any additional questions?

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