Cash loans
Relax your household budget with a cash loan with which you can even refinance existing credit debts. Our most popular product brings you 5 choices to make as it suits you:
Choose your repayment date
Choose a fixed or variable interest rate
Choose with or without a grace period
Choose to pay off, refinance or both
Choose a loan with no application processing fee
When you have made your choice, apply online , calculate your loan installment, leave your details and our sales agents will contact you.
Loan conditions
Loan amount: from 1,000 to 21,000 Euros in dinars at the middle rate of the NBS on the day the loan is disbursed
Repayment period: from 13 to 71 months
Purpose: Cash loan with the option of refinancing existing loans
The loan is in dinars, without a currency clause.
No commission for loan processing and no obligation to transfer earnings through an account in Adriatic Bank.
You can also opt for a grace period and pay only interest for up to 12 months - your payments can be almost twice as much.
You can choose the due date of the first installment - the 5th, 15th or 25th of the month
Who can apply
Potential users of the loan should have a minimum of one year of work experience for an indefinite period and six months with the last employer. The above must also apply to any guarantor.
The loan beneficiary and the guarantor cannot be pensioners at the same time.
A loan can be granted to a client who has not been in arrears for more than 30 days continuously or a total of 60 days in the last 12 months.
The minimum amount of net monthly average salary/pension is 20,000 dinars.
For amounts up to EUR 8,500, the maximum degree of indebtedness* is 40% or 50%, including a home loan, if it exists, and for amounts over EUR 8,500, the maximum degree of indebtedness is 30%, or 40%, including a home loan
* the degree of indebtedness is calculated as the ratio of monthly loan obligations to the amount of monthly income.
* the degree of indebtedness is calculated as the ratio of monthly loan obligations to the amount of monthly income.
Interest rates and costs
| Cash loans | |
|---|---|
| Fixed nominal annual interest rate: | 11,95% |
| Effective interest rate | of 11,97% |
| Variable nominal interest rate on an annual basis | 11.73% (7% + 6M Belibor) |
| Effective interest rate | of 11,75% |
| Other costs: | |
| The cost of the Credit Bureau report | 246 dinars |
| The total cost of two exchange bills | 100 dinars |
| Keeping a current account (optional) | 120 dinars per month |
A representative example of a Relax loan with a variable interest rate
| Type of loan | Dinar cash loan | |
| Currency loan | In dinars, without currency clause | |
| Deposit | No deposit | |
| Loan amount | 300,000 dinars | 600,000 dinars |
| Repayment period/installment number | 71 months | 71 months |
| Monthly payment | 5,787.50 dinars | 11,575.50 dinars |
| Total loan amount with interest | 411,258.50 dinars | 822,206.50 dinars |
| Nominal interest rate (annually, variable) | 11.73% (7%+6M Belibor) | 11.73% (7%+6M Belibor) |
| Effective interest rate (on an annual basis, as of January 12, 2025) | 11.78% | 11.75% |
| Costs borne by the user | ||
| The cost of a Credit Bureau report | 246 dinars | 246 dinars |
| Total cost of two exchange bills | 100 dinars | 100 dinars |
| Keeping a current account, monthly expenses (optional) | 120 dinars | 120 dinars |
| You can get a detailed offer for other loan amounts in all Adriatic Bank branches. | ||
A representative example of a Relax loan with a fixed interest rate
| Type of loan | Dinar cash loan | |
| Currency loan | In dinars, without currency clause | |
| Deposit | No deposit | |
| Loan amount | 300,000 dinars | 600,000 dinars |
| Repayment period/installment number | 71 months | 71 months |
| Monthly payment | 5,818.27 dinars | 11,636.50 dinars |
| Total loan amount with interest | 413,443.17 dinars | 826,537.50 dinars |
| Nominal interest rate (annually, fixed) | 11,95% | 11,95% |
| Effective interest rate (annual, as of January 12, 2025) | 12.00% | 11.97% |
| Costs borne by the user | ||
| The cost of a Credit Bureau report | 246 dinars | 246 dinars |
| Total cost of two exchange bills | 100 dinars | 100 dinars |
| Keeping a current account, monthly expenses (optional) | 120 dinars | 120 dinars |
| You can get a detailed offer for other loan amounts in all Adriatic Bank branches. | ||
