Special loan offer
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Special offer until 30.06.2026.
Cash / refinancing loans - adjusted conditions
You can get a cash loan regardless of whether your salary is paid through a checking account at Universal Capital Bank or not. You only need to determine the monthly amount you can spare, and we will find the best solution for you.
Option | Cash-Refinancing |
|---|---|
Nominal Interest Rate | 5.90 % |
Term | up to 84 months |
Loan Amount | up to 50,000 EUR |
Early Repayment | 0% |
One-Time Fee | 0% |
Representative Example:
Total Loan Amount | 20,000 EUR |
|---|---|
Instalment Number | 84 |
Monthly Payment Amount (Instalment) | 289.77 EUR |
Loan Processing Fee | 0.00 EUR |
Fee for Providing Data from CBCG Credit Registry | 3 EUR |
Account maintenance cost for one month | 1 € |
Cost for Buying Two Promissory Notes | 4 EUR |
Nominal Annual Interest Rate | 5.90% |
Effective Interest Rate | 5.91% |
Intercalary Interest | 94.46 EUR |
Total Interest | 4,435.14 € |
Total Costs | 4,443.14 EUR |
Total Amount the Client Needs to Pay | 24,443.14 EUR |
For a loan amount of 20,000 EUR with a repayment term of 84 months, the nominal interest rate (NIR) is 5.90%, while the effective interest rate (EIR) is 5.91%. The total debt and EIR calculation include interest costs for the entire period amounting to4,435.14 EUR, account maintenance cost for one month (1 EUR) the cost of 2 promissory notes (4 euros), and the cost of an inquiry to the CBCG Credit Registry (3 EUR).
The total amount the client needs to pay is 24,443.14 EUR, while the monthly instalment is 289.77 EUR.
Pensioner loans with free insurance policy - adjusted conditions
Za naše najstarije sugrađane, domaće i devizne penzionere, Banka je pripremila posebnu ponudu, krediti do 12,000.00 EUR, uz besplatnu premiju polise osiguranja!
- Brz postupak odobravanja kredita;
- Najpovoljnija kamatna stopa.
Option | Pensioners - adjusted conditions |
|---|---|
Nominal interest rate | 7.50 % |
Term | do 84 mjeseci |
Loan amount | do 12.000 € |
Early repayment | 0 % |
One-time fee | 0 % |
Representative Example:
Loan amount | 12.000 € |
|---|---|
Instalment number | 84 |
Monthly Payment Amount (Instalment) | 182.56 € |
Loan processing fee | 0 € |
Fee for Providing Data from CBCG Credit Registry | 3 € |
Account maintenance cost for one month | 1 € |
Cost of two promissory notes | 4 € |
Nominal interest rate | 7.50 % |
Effective interest rate | 7.52 % |
Intercalary interest | 71.54 € |
Total Interest | 3,335.04 € |
Total costs | 3,414.58 € |
Total Amount the Client Needs to Pay | 15,414.58 € |
For a loan amount of 12,000 EUR with a repayment term of 84 months the nominal interest rate (NIR) is 7.50%, while the effective interest rate (EIR) is 7.52%. The total debt and EIR calculation include interest costs for the entire period amounting to 3,414.58 EUR, the cost of 2 promissory notes (4 euros), account maintenance cost for one month (1 EUR) and the cost of an inquiry to the CBCG Credit Registry (3 EUR).
The total amount the client needs to pay is 15,414.58 EUR, while the monthly instalment is 182.56 EUR.