Loan for refinancing
With our loan you can refinance your obligations on current accounts, credit cards and loans, as well as having an option of obtaining extra cash.
All your banking debts can be resolved quickly and easily thanks to our loan for refinancing.
You can open an Intesa Hit current account and refinance obligations arising from:
You can open an Intesa Hit current account and refinance obligations arising from:
- Allowed overdraft
- Credit cards
- Loans made in other banks
Benefits of this loan
- Longer repayment period
- Higher loan amount
- Possibility for obtaining extra cash
- Key features
- Representative example for clients
- Representative example for non clients
- Loan calculator
| Type of loan | Loan for refinancing in dinars plus extra cash with insurance | |
| Loan currency | RSD | |
| Criteria for indexing | No criteria for indexing | |
| Loan amount | 25.000 - 2.250.000 RSD | |
| Deposit/ participation | No deposit/participation | |
| Repayment period | 6 - 120 months | |
| Interest rate (on an annual basis) | Clients * | Other citizens |
| For repayment period up to 84 months For repayment period from 96 months | 12% fixed 10,39% variable (6M Belibor+7,25%)** | 15% fixed 13,39% variable (6M Belibor+10,25%)** |
| 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 | ||
| The fee for processing the loan application |
| |
| 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 | ||
Representative example for clients *
| Type of loan | Loan for refinancing in dinars plus extra cash with insurance | |||
| Loan currency | RSD | |||
| Criteria for indexing | No criteria for indexing | |||
| Loan 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 | 11.166,22 RSD | 8,873,17 RSD | 13,517 RSD | 27.033,28 RSD |
| Interest rate (on annual basis) | 12% fixed | 12% fixed | 10,39% variable** | 10,39% variable** |
| Fee | 5,000 RSD | 5,000 RSD | 10,000 RSD | 20,000 RSD |
| Effective interest rate (on an annual basis) | 13,41% | 13,27% | 11,34% | 11,34% |
| 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 | |||
**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 October 31, 2018 being 3.14%.
Representative example for non clients *
| Type of loan | Loan for refinancing in dinars plus extra cash with insurance | |||
| Loan currency | RSD | |||
| Criteria for indexing | No criteria for indexing | |||
| Loan 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 | 11,952,09 RSD | 9,710 RSD | 15.278,06 RSD | 30.556,12 RSD |
| Interest rate (on annual basis) | 15% fixed | 15% fixed | 13,39% variable** | 13,39% variable** |
| Fee | 10,000 RSD | 10,000 RSD | 20,000 RSD | 40,000 RSD |
| Effective interest rate (on an annual basis) | 17,42% | 17,16% | 15,06% | 15,06% |
| 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 | |||
**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 October 31, 2018 being 3.14%.