Long-Term Cash Loan – Relax (with Partial Salary/Pension Transfer)
Relax your household budget with a cash loan that lets you do everything you need — including refinancing your existing credit obligations. Our most popular product gives you four choices to tailor exactly to your needs:
Choose your preferred repayment date
Fixed interest rate for the entire loan period
Choose payout, refinancing, or both
No loan processing fee
Once you make your selection, calculate your installment, leave your contact details, and our sales agents will get in touch with you.
Loan Terms
Repayment period: from 12 to 71 months
Purpose: Cash loan with the option to refinance existing credit obligations
The loan is in Serbian dinars, without a currency clause
No processing fee with partial salary transfer to an Adriatic Bank account
You can choose the due date of your first installment - the 5th, 15th, or 25th of the month
Eligibility Requirements
A borrower may obtain the loan if the following conditions are met:
Employment status or pensioner status: The applicant must be employed or a beneficiary of pension and disability insurance
Positive creditworthiness assessment performed by the Bank
Partial salary transfer to an Adriatic Bank Beograd account, in an amount proportional to the monthly loan installment, for the purpose of securing repayment
A representative example of a Relax loan with a fixed interest rate
| Dinar cash loan with partial salary transfer | ||
|---|---|---|
| Currency loan | In dinars, without currency clause | |
| Deposit | No deposit | |
| Loan amount | 3,000,000 RSD | |
| Repayment period / installment number | 71 months | |
| Monthly payment | 49,938.18 RSD | |
| Total loan cost (interest + fees) | 564,034.89 RSD | |
| Total amount payable by the user | 3,564,034.89 RSD | |
| Nominal interest rate (annually, fixed) | 5,9% | |
| Effective interest rate (annual) | 5,99% | |
| Costs borne by the user | ||
| Cost of a Credit Bureau report | 246 RSD | |
| Total cost of two promissory notes | 100 RSD | |
| Account maintenance fee | 200 RSD | |
| Collateral |
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| Default interest | Default interest is charged at the rate determined by applicable regulations on default interest. If the statutory default rate is lower than the contracted interest rate, the contracted rate applies. | |
| Early repayment | The borrower may, by submitting a written request, partially or fully repay the outstanding loan balance. Early repayment is free of charge if the amount repaid does not exceed 1,200,000 RSD per year. If the amount exceeds 1,200,000 RSD, the Bank may charge:
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| Offer validity period | Until 15 September 2026 | |
| You can obtain a detailed offer for other loan amounts at any Adriatic Bank branch. You can download the representative example in PDF format here. | ||
Interest Rates and Fees
| Long-Term Cash Loan – Relax (with Partial Salary/Pension Transfer) | |
|---|---|
| Nominal Interest Rate (NIR) | Fixed at 6.90% annually for the entire repayment period |
| Effective Interest Rate (EIR) | 7,36% |
| Default Interest | Default interest is charged at the rate prescribed by applicable regulations governing default interest calculation. If the statutory default rate is lower than the contractual rate, the contractual interest rate applies. |
| Other Costs Payable by the Client: | |
| Credit Bureau report fee: | 246 RSD |
| Total cost for two promissory notes: | 100 RSD |
| Account maintenance fee: | 200 RSD |
| Early Repayment | The borrower may, by submitting a written request to the Bank, make a partial or full early repayment of the outstanding Loan. Early repayment is free of charge if the amount repaid early does not exceed 1,200,000 RSD per year. If the early repayment amount exceeds 1,200,000 RSD, the Bank may charge the following fees:
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| Offer Validity Period: | Until 15 September 2026 |
Representative Example for the Relax Loan with Fixed Interest Rate
| Dinar Cash Loan with Partial Salary/Pension Transfer | ||
|---|---|---|
| Loan Currency | Serbian dinars, without a currency clause | |
| Deposit | No deposit required | |
| Loan Amount | 1,000,000 RSD | |
| Repayment Period / Number of Installments | 71 months | |
| Monthly Installment | 17,094.67 RSD | |
| Total Loan Cost (interest + fees) | 228,267.57 RSD | |
| Total Amount Payable by the Borrower | 1,228,267.57 RSD | |
| Nominal Interest Rate (annual, fixed) | 6,90% | |
| Effective Interest Rate (annual) | 7,36% | |
| Client-Borne Costs | ||
| Credit Bureau report fee | 246 RSD | |
| Total cost for two promissory notes | 100 RSD | |
| Account maintenance fee | 200 RSD | |
| Collateral |
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| For a detailed offer for other loan amounts, please visit any Adriatic Bank branch. You can download the representative example in PDF format here. | ||
Attention! Borrowing money involves financial costs.
