A representative example of a cash loan with a variable interest rate, with receipt of earnings to a package account in AIK Bank:

Iznos kredita u RSD	500.000 RSD
Nominalna kamatna stopa na godišnjem nivou (NKS)	13,59% (7,87%+3M Belibor)
Efektivna kamatna stopa na godišnjem nivou (EKS)	17.62%
Period otplate	71 mesec
Mesečni anuitet (mesečna rata)	10.287 RSD
Dodatni troškovi koji padaju na teret korisnika	Menica - 50 RSD Izveštaj kreditnog biroa - 246 RSD Trošak CPI polise osiguranja 16.948 RSD Naknada za obradu zahteva - 1% od iznosa kredita Trošak mesečnog održavanja paket računa u skladu sa odabranim paketom računa (u konkretnom primeru korišćen je trošak vođenja Start paket računa 250 RSD)
Ukupan iznos koji korisnik treba da plati (glavnica, kamata i troškovi)	771.100 RSD

Approximate, average amounts that the Bank does not influence because they depend on fees and charges of courts, municipalities, insurance premiums, insurance companies, etc. Indexation criteria are not applied to loans in RSD. EKS calculated on July 13, 2023. The value of 3M Belibor was taken on July 12, 2023. and amounts to 5.72%. The interest expense represents the sum of the total regular and intercalary interest. Intercalary interest is due on 15.07.2023., is equal to the nominal annual interest rate and is charged for the period from the release of the loan to the exchange rate until the beginning of the calculation of the first annuity on the loan. A representative example of a cash loan with a variable interest rate, without receiving earnings to a package account in AIK Bank:

Iznos kredita u RSD	500,000.00 RSD
Nominalna kamatna stopa na godišnjem nivou (NKS)	21,35% (15,90%+3M Belibor)
Efektivna kamatna stopa na godišnjem nivou (EKS)	27.85%
Period otplate	71 mesec
Mesečni anuitet (mesečna rata)	12,457.00 RSD
Dodatni troškovi koji padaju na teret korisnika	Menica - 50 RSD Izveštaj kreditnog biroa - 246 RSD Trošak CPI polise osiguranja 19.555 RSD Naknada za obradu zahteva - 2% od iznosa kredita Trošak mesečnog administriranja kreditne partije - 250 RSD
Ukupan iznos koji korisnik treba da plati (glavnica, kamata i troškovi)	932,336.00 RSD

Approximate, average amounts that the Bank does not influence because they depend on fees and charges of courts, municipalities, insurance premiums, insurance companies, etc. Indexation criteria are not applied to loans in RSD. EKS calculated on March 14, 2023. The value of 3M Belibor was taken on March 13, 2023. and amounts to 5.72%. The interest expense represents the sum of the total regular and intercalary interest. Intercalary interest is due on March 15, 2023., is equal to the nominal annual interest rate and is charged for the period from the release of the loan to the exchange rate until the beginning of the calculation of the first annuity on the loan.

A representative example of a cash loan with a fixed interest rate, with receipt of earnings to a package account in AIK Bank:

Iznos kredita u RSD	500,000.00 RSD
Nominalna kamatna stopa na godišnjem nivou (NKS)	12,94%
Efektivna kamatna stopa na godišnjem nivou (EKS)	16.78%
Period otplate	71 mesec
Mesečni anuitet (mesečna rata)	10,115.00 RSD
Dodatni troškovi koji padaju na teret korisnika	Menica - 50 RSD Izveštaj kreditnog biroa - 246 RSD Trošak CPI polise osiguranja 16.745 RSD Naknada za obradu zahteva - 1% od iznosa kredita Trošak mesečnog održavanja paket računa u skladu sa odabranim paketom računa (u konkretnom primeru korišćen je trošak vođenja Start paket računa 250 RSD)
Ukupan iznos koji korisnik treba da plati (glavnica, kamata i troškovi)	757,877.00 RSD

Approximate, average amounts that the Bank does not influence because they depend on fees and charges of courts, municipalities, insurance premiums, insurance companies, etc. Indexation criteria are not applied to loans in RSD. EKS calculated on March 14, 2023. The interest expense represents the sum of the total regular and intercalary interest. Intercalary interest is due on March 15, 2023., is equal to the nominal annual interest rate and is charged for the period from the release of the loan to the exchange rate until the beginning of the calculation of the first annuity on the loan.