"Senior Keš" cash loan for retirees

A loan with a fixed interest rate, no participation and without guarantors, with additional life insurance

"Senior Keš" cash loan for retirees will enable you to obtain additional funds with a simple and fast procedure. Fixed monthly interest and life insurance which you will have at your disposal during the time of loan repayment are just some of the many benefits that we have provided for you.

You can obtain a "Senior Keš" cash loan if you are retiree between the age of 55 and 74, or up to 75 years old at the time of repayment of the last instalment, regardless of whether you are receiving your pension through the current account at Banca Intesa or not.

Apply for a "Senior Keš" cash loan, which comes with the following benefits:

  • Fixed instalment in dinars
  • No participation and without guarantors
  • No obligation of transferring your pension to Banca Intesa
  • Life insurance, free of charge
You can submit the application for "Senior Keš" cash loan at any branch of Banca Intesa with the following documents enclosed:

  • Personal identity card
  • Pension checks for the last three months
  • If you do not receive your pension through a current account with Banca Intesa, it is necessary that you provide a notarized form of administrative injunction during the loan realization. You can obtain the form at the Bank when applying for the loan, and it can be notarized at the Pension and Disability Insurance Fund (PIO).
  • Key features
  • Representative example
  • Credit Calculator

Type of loan
"Senior Keš" cash loan in dinars
Loan currency
RSD
Criteria for indexing
No criteria for indexing
Loan amount
50.000 – 1.200.000 RSD
Participation
No participation
Repayment period
12 - 72 months
Interest rate
(on annual basis)
14% annually, fixed
The fee for processing the loan application
1% clients* 2% others
Security instruments
1 bill of exchange with a "without protest" clause
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

Credit bureau report

50 RSD

246 RSD

Costs borne by the user and are not known at the moment of publication
No additional costs

* Individual who receives a pension through Banca Intesa

Representative example for clients * (effective interest rate calculation date 23. 02. 2016.)
Type of loan"Senior Keš" cash loan in dinars
Loan currencyRSD
Criteria for indexingNo criteria for indexing
Loan amount50,000 RSD200,000 RSD350,000 RSD
Repayment period12 months48 months72 months
Monthly instalment4,495 RSD5,486,30 RSD7,251 RSD

Interest rate

(on an annual basis)

14%, fixed

14%, fixed

14%, fixed

Fee500 RSD2,000 RSD3,500 RSD
Effective interest rate
(on an annual basis)
18.70%15.88%15.69%
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 exchange50 RSD
Credit bureau fee246 RSD
* Individual who receives a pension through Banca Intesa


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



Loan calculator

Amount (RSD)
50.000,00
1.500.000,00
Number of instalments
12
84
Instalment amount (RSD)

Results are for information purposes