"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:

  • Fixed interest rate
  • Higher loan amounts
  • Longer repayment period up to 120 months
  • Pause in repayment of the loan, when you need it
  • Without salary transfer
  • No deposit and participation
If you want a cash loan with a longer repayment period and of a larger amount, a cash loan with a variable interest rate is available.

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.
  • Key features
  • Representative example for clients
  • Representative example for non clients
  • 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
25,000 - 2,250,000 RSD
Repayment period
18 - 120 months
Interest rate
(on annual basis)
Clients*Others
For repayment period up to 84 months
12% fixed15% fixed
For repayment period from 96 months
10,31% variable
(6M Belibor+7,25%)**
13,31% variable
(6M Belibor+10,25%)**
Security instruments
1 bill of exchenge
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
*The stated conditions apply for individuals, employed for indefinite period, receiving the salary on the current account of in Banca Intesa, and individuals receiving pensions on the current account in Banca Intesa.
Representative example for clients *

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

Credit amount

500.000 RSD

500.000 RSD

1.000.000 RSD

2.000.000 RSD

Repayment period

60

months

84

months

120

months

120

months

Monthly instalment

11.170 RSD

8.876 RSD

13.475 RSD

26.949 RSD

Interest rate (on an annual basis)

12% fixed

12% fixed

10,31% variable**

10,31% variable**

The fee for processing the loan application

5.000 RSD

5.000 RSD

10.000 RSD

20.000 RSD

Effective interest rate
(on an annual basis)

13,40%

13,27%

11,25%

11,25%

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

1 bill of exchange

50 RSD

Credit bureau report

246 RSD


* The stated conditions apply for individuals, employed for indefinite period, receiving the salary on the current account of in Banca Intesa.

**Harmonization of the value of 6M BELIBOR is performed on a six-moth basis (on May 25 and November 25) with the value of 6M BELIBOR on the last day in previous month (April/ October). When presenting the interest rate, 6M BELIBOR was applied as of April 30, 2018 being 3.06%.

Representative example for non clients *

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

Credit amount

500.000 RSD

500.000 RSD

1.000.000 RSD

2.000.000 RSD

Repayment period

60

months

84

months

120

months

120

months

Monthly instalment

11.957 RSD

9.713 RSD

15.235 RSD

30.470 RSD

Interest rate (on an annual basis)

15% fixed

15% fixed

13,31% variable**

13,31% variable**

The fee for processing the loan application

10.000 RSD

10.000 RSD

20.000 RSD

40.000 RSD

Effective interest rate
(on an annual basis)

17,42%

17,16%

14,97%

14,96%

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

1 bill of exchange

50 RSD

Credit bureau report

246 RSD


* The stated conditions apply for individuals, employed for indefinite period, not receiving the salary on the current account of in Banca Intesa.

**Harmonization of the value of 6M BELIBOR is performed on a six-moth basis (on May 25 and November 25) with the value of 6M BELIBOR on the last day in previous month (April/ October). When presenting the interest rate, 6M BELIBOR was applied as of April 30, 2018 being 3.06%.

Loan calculator

Amount (RSD)
50.000,00
2.250.000,00
Number of instalments
96
120
Instalment amount (RSD)

Results are for information purposes

How to obtain an "Intermezzo Keš" loan?