"Intermezzo Keš" - cash loan

This loan can be obtained via a simple and quick procedure, regardless of whether you're receiving your earnings through a Banca Intesa current account or not.

See for yourself:

  • Pause in repayment of the loan, when you need it
  • Fixed interest rate
  • Without salary transfer
  • Higher loan amounts to 1,650,000
  • Longer repayment period up to 84 months
  • No deposit and participation

Pausing the repayment of loan instalment

Life is full of surprises and unforeseen expenses that sometimes come at a time when you are not prepared for new expenditures.

That is why "Intermezzo Keš" is here, a unique model of cash loan that gives you an opportunity to defer the payment of your monthly instalment when you really need it.

During one calendar year, you have an option to defer the payment of your monthly instalment once, and in total of up to 5 times during the full period of repayment. Application procedure for the deferment of instalment is quite simple.

Fixed instalment in dinars

A particular advantage when raising an "Intermezzo Keš" loan in domestic currency is a fixed interest rate, so your monthly instalment will be the same throughout the entire repayment period, regardless of the fluctuation of the exchange rate of euro.

  • Key features
  • Representative example
  • Loan calculator
"Intermezzo Keš" loan in dinars
Type of loan
Cash loan with insurance and the option to defer the payment of annuity in dinars
Loan currency
RSD
Criteria for indexing
No criteria for indexing
Loan amount
50,000 - 1,650,000 RSD
Repayment period
18 - 84 months (18, 24, 36, 48, 60, 72, 84)
Interest rate
(on annual basis)
Clients*Others

12% fixed15% fixed
Security instruments
1 bill of exchenge
Insurance in case of:
- involuntary loss of employment
- total permanent disability due to an accident (100%)
Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate
The fee for processing the loan application1% clients* 2% others
1 bill of exchange

Credit bureau report

50 RSD

246 RSD

Costs borne by the user and are not known at the moment of publication
Fee for deferring the payment of annuity: 0.5% on the rest of the principal amount, for each request for deferring of the payment of annuities individually. The amount of compensation is attributed to the principal amount. For the period of deferred payment, an interest is calculated at the level of nominal interest rate and is attributed to the principal debt
* Individuals who receive salary or pension through a current account in Banca Intesa.
Representative example for clients * (effective interest rate calculation date 10. 11 .2015)

Type of loanCash loan with insurance and the option to defer the payment of annuity in dinars
Loan currencyRSD
Criteria for indexing

Credit amount
No criteria for indexing

250.000 RSD            250.000 RSD
Repayment period84 months84 months
Monthly instalment4.331 RSD4.693 RSD
Interest rate (on an annual basis) 12% fixed for clients 15% fixed for non clients
Effective interest rate
(on an annual basis)
12,41%15,83%
Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate
The fee for processing the loan application2,500 RSD5,000 RSD
1 bill of exchange

Credit bureau report

50 RSD

246 RSD


* Individual who receives a salary or pension through the current account at Banca Intesa.

You can receive other calculations regarding this product in any of our Bank branches

Loan calculator

Amount (RSD)
50.000,00
1.650.000,00
Number of instalments
18
84
Instalment amount (RSD)

Results are for information purposes

How to obtain an "Intermezzo Keš" loan?