Purpose of the loan
- financing of raw materials, materials, finished products, goods
- payment of due obligations
- refinancing of existing loans and the like.
Use credit for working capital and achieve continuous business growth, strengthen your position in negotiations with suppliers, and expand the range and quality of goods and services intended for your customers.
Advantages of Adriatic Bank a.d. loans for working capital
- Favorable fixed or variable interest rate. The interest rate depends on the type of security (promissory note or mortgage).
- The choice between a purely dinar loan and a dinar loan indexed to the euro currency
- Flexible repayment*
* The loan can be repaid in:
- in installments with a term of up to 60 months with the possibility of using the grace period.
- through a revolving credit line, where only interest is paid monthly on the used amount of funds, and repayment and re-borrowing within the agreed period is done in accordance with your capabilities and needs. Maximum repayment terms of 60 months have been defined for this purpose.
The borrower has the option of choosing between a fixed and a variable interest rate:
- The fixed interest rate remains in effect from the moment of contracting until the final repayment of the loan
- The variable interest rate is adjusted every 3 months depending on the movement of 3M Belibor.
- Other costs borne by the client:
- The cost of the Credit Bureau report for a legal entity: 1,440 dinars
- The cost of the Credit Bureau report for a natural person: 246 dinars
- Total cost of 8 exchange bills: 400 dinars
- Keeping a current account, monthly cost: 200 dinars
- In case the client provides a mortgage as a means of security, the additional costs are:
- Certification of pledge statement 25,200 dinars
- Issuance of real estate list 10 euros
- Real estate valuation 100 euros
- Registration of a mortgage (from 20,000 to 50,000) 20,000 dinars
- Endorsement of a license to wipe 1,260 dinars
- Real estate insurance (annually) 40 euros
| Type of loan | Loan for working capital | Loan for working capital |
| Currency loan | Dinar | Dinar |
| Deposit | No deposit | No deposit |
| Loan amount | 1,000,000 | 1,000,000 |
| Security type | Bills of exchange | Bills of exchange |
| Repayment period/installment number | 24 months | 60 months |
| Monthly payment | 45,271 dinars | 19,878 dinars |
| Total loan amount with interest | 1,086,505 dinara | 1,192,625 dinara |
| Nominal interest rate (annually, variable) | 5%+3M Belibor, on 03.10.2022. is 8.40% | 4%+3M Belibor, on 03.10.2022. is 7.40% |
| Effective interest rate (on an annual basis) on 03.10.2022. | 9,10% | 11,03%% |
| Costs borne by the user | ||
| The cost of a Credit Bureau report | 1686 dinars* | 1686 dinars* |
| Total cost of 8 exchange bills | 400 dinars | 400 dinars |
| Keeping a current account, cost on a monthly basis | 200 dinars | 200 dinars |
| Certification of pledge statement | 25,200 dinars | |
| Issuance of real estate list | 10 euros | |
| Real estate valuation | 100 euros | |
| Registration of a mortgage (from 20,000 to 50,000) | 20,000 dinars | |
| Verification of the deletion permit | 1,260 dinars | |
| Property insurance (annual) | 40 euros |
*for clients legal entities
