SOS Loans
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About the loan
Universal Capital Banka AD Podgorica, following the market needs for fast and efficient financial solutions, has launched a new product for natural persons — “SOS Credit” up to 1,000 euros.
This cash loan is designed to provide emergency financial support to citizens, allowing them to quickly overcome unforeseen expenses or take advantage of sudden opportunities.
Key features of SOS loans:
- “SOS loan” is available in amounts up to 1,000 euros, with extremely competitive conditions and a nominal interest rate (from 6,5%-8.5%). The main purpose is to provide quick liquidity, and the approval procedure itself is very simple
Representative Example:
Total loan amount | 1.000 EUR |
|---|---|
Number of annuities | 12 |
Amount of monthly liability (installment) | 86.20 EUR |
Loan processing fee | 0.00 EURO |
Fee for providing data from the Credit Register CBCG (two) | 3.00 EUR |
The cost of buying two bills of exchange | 4.00 EURO |
Nominal interest rate (NKS) | 6.50% |
Effective interest rate | 7.91% |
Total interest | 34.40 EUR |
Total costs* | 41.40 EUR |
Total amount to be paid by the client | 1,041.40 EUR |
*Note: The total costs represent the sum of interest for the entire loan repayment period in the amount of 34.40 EUR, the cost of two bills of exchange 4 EUR and the cost of one inquiry to the Registrar 3 EUR.
The total amount to be paid by the client is 1041.40 EUR.
A representative example is shown on the example of the calculation on 31.10.2025
Clients can apply for SOS credit in all branches of Universal Capital Bank, where they will receive all the necessary information and assistance for quick implementation.