Intermezzo cash loan in EUR
Pause with the repayment of your installments when you need to
We are aware that there are months when you have large financial obligations such as car registration, going on a holiday, starting the new school year ... that is exactly why we have created a completely new model of cash loan, Intermezzo Cash, which enables you to pause with the repayment of the loan when you need to.
The procedure is simple. Just send a request to your sales advisor minimum 5 days before the installment falls due for payment and it is going to be delayed. You can delay the payment of the monthly installment once during the calendar year, and up to 5 times during the repayment period.
Free job loss insurance
Intermezzo Cash provides you with additional security. You don’t need to care about the loan repayment in unexpected situations, as besides the Intermezzo Cash, you get a free insurance in case of involuntary loss of job.
- Loan description
- Example for clients
- Loan Calculator
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Intermezzo cash loan in EUR
| Type of loan | Cash loan with insurance with an option to delay payment of annuities in EUR | |
| Currency | EUR | |
| Criteria for indexation | In RSD counter value according to the NBS median exchange rate | |
| Loan amount | EUR 500 – 7,000 (including deposit funds) | |
| Repayment period | 18 - 60 months (18, 24, 36, 48, 60) | |
| Deposit | 30% of the deposit from the loan funds, with no interest calculation on deposit | |
| Interest rate (p.a.) | Client* | Other |
| 15% fixed | 18% fixed | |
| Collaterals | 1 bill of exchange 30% deposit | |
| Costs to be borne by the user are known at the moment of publication and are included in the calculation of effective interests rate | ||
| Loan processing fee | 2% of the loan amount, flat in advance for Bank’s clients** | |
| 1 bill of exchange Report from Credit Bureau | 50 RSD 246 RSD | |
| Costs to be borne by the user and which are not known at the moment of publication | ||
| Fee for delayed payment of annuity: 0.5% of the remaining portion of the principal, individually for each request to delay the payment of the annuity. The amount of the fee is assigned to principal. | ||
Example for clients * (8. 5. 2014)
| Type of loan | Cash loan with insurance with an option to delay payment of annuities in EUR | ||
| Currency | EUR | ||
| Criteria for indexation | In RSD counter value according to the NBS median exchange rate | ||
| Loan amount | 3.000 EUR | 7.000 EUR | |
| Deposit | 900 EUR | 2.100 EUR | |
| Repayment period | 48 months | 60 months | |
| Monthly installment | 82,10 EUR | 163,15 EUR | |
| Interest rate (p.a.) | 15%, fixed | 15%, fixed | |
| EIR (p.a.) | 32,80% | 31,09% | |
| Costs to be borne by the user are known at the moment of publication and are included in the calculation of effective interests rate | |||
| Loan processing fee | 60 EUR | 140 EUR | |
| bill of exchange | 50 RSD | ||
| Report from the Credit Bureau | 246 RSD | ||
* an individual who is receiving the salary onto the current account opened with Banca Intesa.
Other calculations related to this product may be taken over at any branch of the Bank.
The Bank participates in the mandatory deposit insurance system established in the Republic of Serbia.
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