Loans for Foreign Pensioners
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About the loan
Universal Capital Bank offers you a loan for foreign currency pensioners, tailored to your needs and capabilities. This product allows for easy financing with favourable terms, taking into account your pension as the basis for approving the loan, up to the age of 78 at the time of repayment of the last annuity.
Don't wait! Take advantage of this opportunity and achieve financial security today.
Contact us or visit the nearest branch to submit an application.
Approval Conditions | Loans for Foreign Pensioners |
|---|---|
Nominal Interest Rate | 7.50 % |
Maturity | up to 84 months |
Repayment Method | in equal monthly annuities |
Security means | promissory note, administrative ban, life insurance policy, others |
One time fee | no cost |
Life Insurance Policy | in one lump sum in advance or monthly payment of insurance premium |
Security means
- Age of life: maximum 78 years at the time of repayment of the last annuity
- The loan beneficiary is a pension beneficiary who has exercised this right outside the territory of Montenegro, provided that he has a registered residence in Montenegro
- The pension must be directed through Universal Capital Bank
- The offer applies to Serbian, Bosnian, German and Croatian pensioners
Representative Example:
Total Loan Amount | 12,000.00 EUR |
|---|---|
Number of instalments | 84 |
Amount of monthly obligation (instalment) | 182.63 EUR |
Loan Processing Fee | 0 EUR |
Fee for Providing Data from the CBCG Credit Registry | 3.00 EUR |
Cost of Purchasing Two Promissory Notes | 4.00 EUR |
Cost of account maintenance for one month | 1 EUR |
Nominal Annual Interest Rate | 7.50 % |
Effective Interest Rate | 7.52 % |
Intercalary Interest | 71.54 EUR |
Total interest | 3,412.46 EUR |
Total Costs * | 3,420.46 EUR |
Total Amount to be Paid by the Client | 15,420.46 EUR |
Note: Total costs represent the sum of interest for the entire period in the amount of 3,412.46 EUR, costs of account maintenance for one month 1 EUR, cost of 2 promissory notes (4.00 EUR), cost of inquiry to the CBCG Credit Registry (3.00 EUR).
The total amount to be paid by the client is 15,420.46 EUR.
The representative example is shown on the example of the calculation from 01.03.2026.