description

Keš kredit za penzionere - interesuje me

I’m interested 

Cash Loan for
Pensioners

We know that some dreams had to wait. Maybe it’s your dream vacation, a new household appliance, or simply a bit more freedom in your everyday life. Now is the perfect time to treat yourself to what you deserve.
With the AikBank cash loan for pensioners, you can easily achieve your plans without waiting, and with your pension being paid through us, the loan payout can be up to 7 days earlier.
Your time is now – because we understand you.

You Don’t Miss Out on Good Things.

Loan repayment period between 13 and 71 months

What’s important to you when taking a loan?

&#10003; Kredit je osiguran, a premiju osiguranja plaća AIK Banka
&#10003; Bez obaveze prijema penzije u AIK Banci 
&#10003; Realizacija zahteva u najbližoj filijali
&#10003; Loan amount do 2.000.000 RSD
&#10003; Repayment period do 71 mesec 

<b>Uslovi kredita:</b>

✓ Loan amount: do 2.000.000 RSD
✓ Repayment period: 13 – 71 mesec
✓ Nominalna fiksna kamatna stopa na godišnjem nivou (NKS): 15,75%*
✓ Nominalna varijabilna kamatna stopa na godišnjem nivou (NKS): 10,00%+3m Belibor
✓ Minimum jedna primljena penzija po dobijanju Rešenja o penziji
*Ponuda važi za klijente sa i bez prijema penzije na tekući račun u Aik banci

<b>Troškovi i naknade koji padaju na teret korisnika i ulaze u obračun EKSa</b>:

- Menica 50 RSD
- Kreditni biro 246 RSD
- Jednokratna naknada za obradu kredita: 1% od iznosa kredita
- Naknada mesečnog održavanje Start paketa računa 250 RSD (za klijente sa prijemom penzije na tekući račun u Aik banci)
- Naknada mesečnog administriranja kreditne partije 250 RSD (za klijente bez prijema penzije na tekući račun u Aik banci)

<b>Neophodna dokumentacija</b>:

✓ Lična karta ili pasoš na uvid
✓ Penzioni čekovi za poslednja 3 meseca ukoliko ne primate penziju preko tekućeg računa u AIK Banci
✓ Overena administrativna zabrana (za penzionere koji ne primaju penziju preko tekućeg računa u AIK Banci)

Reprezentativni primer keš kredita sa varijabilnom kamatnom stopom, sa prijemom penzije na paket račun u AIK Banci: 

<table><tbody><tr><td>Loan type</td><td>Gotovinski i refinansirajući kredit za penzionere (sa prenosom penzije)</td></tr><tr><td>Loan amount</td><td>500.000,00 RSD </td></tr><tr><td>Nominal Interest Rate (NIR) per annum</td><td>15,69% (10%+3M Belibor)</td></tr><tr><td><strong>Effective Interest Rate (EIR) per annum* </strong></td><td><strong>18,41%</strong></td></tr><tr><td>Repayment period</td><td>71 meseci</td></tr><tr><td>Monthly instalment</td><td>10.852,00 RSD</td></tr><tr><td>Dodatni troškovi koji padaju na teret korisnika</td><td>Bill of exchange – RSD 50 
Credit Bureau report – RSD 246
Application processing fee – 1.00% of the loan amount
Trošak mesečnog održavanja paket računa u skladu sa odabranim paketom računa</td></tr><tr><td>Total amount payable (principal, interest, and costs)</td><td>795.997,00 RSD</td></tr></tbody></table>
*EIR calculated as at 29 March 2024 
Vrednost 3M Belibor-a je uzeta na dan 29.3.2024. godine i iznosi 5,69%. Trošak kamate predstavlja zbir ukupne redovne i interkalarne kamate. Interkalarna kamata dospeva 08.4.2024. godine, jednaka je nominalnoj godišnjoj kamatnoj stopi i naplaćuje se za period od puštanja kredita u tečaj do početka obračuna prvog anuiteta po kreditu.

Reprezentativni primer keš kredita sa fiksnom kamatnom stopom, sa i bez prijema penzije na paket račun u AIK Banci: 

<table><tbody><tr><td>Loan type</td><td>Gotovinski i refinansirajući kredit za penzionere </td></tr><tr><td>Loan amount</td><td>500.000,00 RSD </td></tr><tr><td>Nominal Interest Rate (NIR) per annum</td><td>15,75% Fiksna</td></tr><tr><td><strong>Effective Interest Rate (EIR) per annum*  </strong></td><td><strong>18,61%</strong></td></tr><tr><td>Repayment period</td><td>71 meseci</td></tr><tr><td>Monthly instalment</td><td>10.869,00 RSD</td></tr><tr><td>Dodatni troškovi koji padaju na teret korisnika</td><td>Bill of exchange – RSD 50 
Credit Bureau report – RSD 246
Application processing fee – 1.00% of the loan amount
Trošak mesečnog održavanja paket računa u skladu sa odabranim paketom računa(za klijente sa prijemom penzije na tekući račun u Aik banci)
Naknada mesečnog administriranja kreditne partije 250 RSD (za klijente bez prijema penzije na tekući račun u Aik banci)</td></tr><tr><td>Total amount payable (principal, interest, and costs)</td><td>796.702,00 RSD</td></tr></tbody></table>
*EIR calculated as at 29 March 2024 
Trošak kamate predstavlja zbir ukupne redovne i interkalarne kamate. Interkalarna kamata dospeva 08.04.2024. godine, jednaka je nominalnoj godišnjoj kamatnoj stopi i naplaćuje se za period od puštanja kredita u tečaj do početka obračuna prvog anuiteta po kreditu.

• Loan Amount: 100,000 – 2,000,000 RSD
• Repayment Period: 18 – 71 months
• Nominal Interest Rate (NIR): 10.50%* – 13.50% annual, fixed
• Pension Transfer to AikBank Current Account is mandatory, with the possibility of receiving the pension up to 7 days earlier than the official PIO fund payment.

*The nominal interest rate is defined for clients who have not received their pension into their AikBank current account in the previous 3 months and who will transfer their pension to an AikBank current account.

Loan Conditions

- Bill of exchange: RSD 50
- Credit Bureau report: RSD 246
- Monthly maintenance fee for Account package: RSD 150 (for clients receiving their pension into an account held at AikBank)

Costs and fees to be borne by the borrower and are included in the EIR

✓ ID card or passport for inspection
✓ Pension checks for the last 3 months if you do not receive your pension through an AikBank current account
✓ Certified administrative ban (for pensioners who do not receive their pensions through AikBank current accounts) - <a href='https://www.aikbank.rs/api/media/AZ1-Zahtev PIO (003).pdf' target='_blank'>download form here</a>
✓ Decision on administrative ban - <a href='https://www.aikbank.rs/api/media/AZ2-Resenje PIO.pdf' target='_blank'>download form here</a>

Required Documentation

<table><tbody><tr><td>Loan type</td><td>Cash and Refinancing Loan for Pensioners</td></tr><tr><td>Loan amount</td><td>RSD 500.000,00  </td></tr><tr><td>Nominal Interest Rate (NIR) per annum</td><td>13,50% (fixed)</td></tr><tr><td><strong>Effective Interest Rate (EIR) per annum*  </strong></td><td><strong>14,39%</strong></td></tr><tr><td>Repayment period</td><td>71 months</td></tr><tr><td>Monthly instalment</td><td>RSD 10.263,00 </td></tr><tr><td>Additional costs/fees borne by the borrower</td><td>Bill of exchange – RSD 50 
Credit Bureau report – RSD 246</td></tr><tr><td>Total amount payable (principal, interest, and costs)</td><td>RSD 728.952,00 </td></tr></tbody></table>
*EIR calculated as at 28.12.2024. 
The interest cost includes both regular and interim interest. The interim interest is due on 8 April 2024, equal to the nominal annual interest rate, and is charged for the period from loan disbursement to the start of the first loan instalment.

Example of a cash loan with a fixed interest rate for pensioners receiving their pension via an account held at AikBank

<table><tbody><tr><td>Loan type</td><td>Cash and refinancing loan for pensioners </td></tr><tr><td>Loan amount</td><td>RSD 500.000,00  </td></tr><tr><td>Nominal Interest Rate (NIR) per annum</td><td>10,50% (fixed)</td></tr><tr><td><strong>Effective Interest Rate (EIR) per annum* </strong></td><td><strong>11,70%</strong></td></tr><tr><td>Repayment period</td><td>71 months</td></tr><tr><td>Monthly instalment</td><td>RSD 9.485,00 </td></tr><tr><td>Additional costs/fees borne by the borrower</td><td>Bill of exchange – RSD 50 
Credit Bureau report – RSD 246
Monthly account maintenance fee for current account 150 RSD</td></tr><tr><td>Total Amount Payable (principal, interest, and costs)</td><td>RSD 684.353,00 </td></tr></tbody></table>
*EIR calculated as at 28.12.2024. 
The interest cost includes both regular and interim interest. The interim interest is due on 8 April 2024, equal to the nominal annual interest rate, and is charged for the period from loan disbursement to the start of the first loan instalment.



Cash Loan for Pensioners

You Don’t Miss Out on Good Things.

What’s important to you when taking a loan?

O banci

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