Cash Loan Secured by a Deposit - AIK Banka

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Cash Loan Secured 
by a Deposit

• Repayment period of up to 71 months
• Loan amount up to 100% of the deposit value
• Favourable terms and a simplified procedure
• No loan application processing fees
• Application and approval available at the nearest branch

Cash loan based on 100% EUR deposit

• Enjoy significantly lower interest rates
• A fixed interest rate allows for detailed cost planning
• No requirement for permanent employment
• Faster and simpler loan approval process
• At the end of the repayment period, the deposit provided as collateral is returned, with an annual interest rate of 0,01%.

Why is a cash loan based on a 100% deposit significant?

Apply for an online cash loan without visiting the bank. Money is always within reach when you need it. 

Need funds for unexpected expenses?

<b>Cash loan based on a 100% purpose-tied term deposit in EUR</b>

<table><tbody><tr><td><strong>Loan type</strong></td><td><strong>Cash loan based on a 100% purpose-tied term deposit in EUR</strong></td></tr><tr><td>Loan amount</td><td>EUR 10.000,00 </td></tr><tr><td>Required purpose-tied deposit amount</td><td>EUR 10.000,00 </td></tr><tr><td>Nominal Interest Rate (NIR), per annum</td><td>4,10%</td></tr><tr><td>Interest calculation method</td><td>Proportional</td></tr><tr><td>Loan term</td><td>71 months</td></tr><tr><td>Monthly instalment</td><td>EUR 158,86 </td></tr><tr><td>Total interest payable by the borrower</td><td>EUR 1.305,09 </td></tr><tr><td>Additional costs payable by the borrower</td><td>Promissory note - RSD 50 
Credit Bureau report RSD 246 </td></tr><tr><td>Total amount payable by the borrower</td><td>EUR 11.307,62 </td></tr><tr><td><strong>Effective Interest Rate (EIR), per annum</strong></td><td><strong>5,36%</strong></td></tr></tbody></table> 
*EIR calculated as at 23.11.2024
The interest cost includes the total regular and interim interest. Interim interest, calculated at the nominal annual interest rate, is due on 15 December 2024 and applies to the period from loan disbursement to the first loan instalment due date. The interest rate on the purpose-tied deposit is 0.01%, per annum.

<b>Cash loan based on a 100% purpose-tied term deposit in RSD</b>

<table><tbody><tr><td><strong>Loan type</strong></td><td><strong>Cash loan based on a 100% purpose-tied term deposit in RSD</strong></td></tr><tr><td>Loan amount</td><td>RSD 1.000.000,00 </td></tr><tr><td>Required purpose-tied deposit amount</td><td>RSD 1.000.000,00 </td></tr><tr><td>Nominal Interest Rate (NIR), per annum</td><td>6,10%</td></tr><tr><td>Interest calculation method</td><td>Proportional</td></tr><tr><td>Loan term</td><td>71 months</td></tr><tr><td>Monthly instalment</td><td>RSD 16.814,11 </td></tr><tr><td>Total interest payable by the borrower</td><td>RSD 197.361,00 </td></tr><tr><td>Additional costs payable by the borrower</td><td>Promissory note - RSD 50  
Credit Bureau report RSD 246 </td></tr><tr><td>Total amount payable by the borrower</td><td>RSD 1.197.657,00 </td></tr><tr><td>Effective Interest Rate (EIR), per annum</td><td>9,05%</td></tr></tbody></table>
*EIR calculated as at 25.11.2024.
The interest cost includes the total regular and interim interest. Interim interest, calculated at the nominal annual interest rate, is due on 15 December 2024 and applies to the period from loan disbursement to the first loan instalment due date. The interest rate on the purpose-tied deposit is 0.01%, per annum.

Example

• a valid personal identification document
• deposit funds
• You can download the Application Form for a cash loan secured by a 100% deposit <a href='https://aikbanka.rs/api/media/zahtev-za-uspostavljanje-promenu-poslovnog-odnosa-kreditni-proizvodi-3-9.pdf' target='_blank'>here</a>

Cash Loan Secured by a Deposit

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