Need extra cash?

Maximum amount of Cash Loan is 3.500.000 RSD, and the installment is always the same because all our loans have a fixed interest rate.

Maximum amount of Cash Loan is 3.500.000 RSD, and the installment is always the same because all our loans have a fixed interest rate.

For loan amounts up to 600,000 RSD, everything can be done online.

For amounts exceeding 600,000 RSD, apply online and sign the contract with just one bank visit.

FORMA

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    Name and suriname *
    Phone number *
    Place of residence *

    You can read it at the following link Notice on the processing of personal data

    The collected data of the user will be used exclusively for the purpose of calling for additional information in the pre-contractual phase about the conditions of Yettel Bank products.

    Loan conditions

    • Regular deposits of salary/pension in our Bank in the last 3 months (minimum 20,000 RSD per month),
    • Continuity in the employer’s business for a minimum of 12 months

     

    Required documents

    Full-time employees receiving their entire salary or a part of it in our bank

    If you receive your entire salary or a part of it (minimum 20.000 RSD monthly) and the company you work for has been in operation for 12 consecutive months, no documentation is required for loans up to 1.000.000 RSD.

    Documentation from the employer is not required for loan approval up to 600,000 RSD. For amounts exceeding 600,000 RSD, you will need to visit our branch and sign the contract.

    Full-time employees

    • Monthly bank statements from the account to which you receive earnings for the last 3 months in PDF format, showing the last three received salaries. Typically, you receive these statements by email or can download them online or mobile banking, or
    • Employment confirmation and income statement issued in electronic form and signed with a digital certificate by the employer, or
    • Electronic delivery certificate received from e Government portal.

    If the employer does not issue a certificate certified by a digital certificate, you can attach a certificate stamped and signed. An example of correctly completed Certificate verified with the stamp and signature is presented below.

    • PPDG5/PPDG2R – income tax return certificate for those with income exceeding a defined limit

    Pensioners

    RSD pension

    • The monthly bank account statements from the bank where you have been receiving your pension for the past 3 months in PDF, showing the last three pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or
    • Pension checks for the last three months, or ili
    • Certificate on the amount of pension issued by the RS Pension and Disability Insurance Fund
    • Electronic delivery certificate received from e Government portal.More information on how to obtain this certificate can be found here.

    Foreign currency pension

    • A copy of the decision issued by the competent pension fund – the document needs to be translated by a certified court interpreter (for foreign currency pensioners). The translation will not be required for foreign currency pensioners who receive their pension cheques from Croatia, Bosnia and Herzegovina or Montenegro
    • The monthly bank account statements from the bank where you have been receiving your foreign currency pension for the past 6 months in PDF, showing the last six pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking

    Who can apply?

    • Individuals with residence in the Republic of Serbia (residents)
    • Individuals above the age of 18 with an ID card that is valid at the moment when they make their application
    • Full-time employees and pensioners who receive their regular monthly income of at least 20.000 RSD. For part-time employees repayment period is determined so that the last installment must be paid at least 2 months before the end of the part-time contract.
    • Individuals employed with companies that have active status
    • Individuals who have been employed with their current employer for at least 3 months

    Early loan repayment

    The loan user has the right to pay the loan, in full or partially, even before the finishing date predefined in the agreement, through the internal transfer from user’s current account to its loan party. The minimum repayment amount must be greater than the amount of three annuities.

    In the case of the early partial repayment, the amount of the monthly annuities decreases proportionally to the remaining total debt.

    Loan payoff

    The client pays the loan off in the equal monthly annuities at the end of every month, following the repayment plan.

    The first annuity arrives on the last day of the following month. Annuity payment is automatically deducted from the client’s current account on the last day of each month.

    Example

    Note: The stated effective interest rate applies as of the date the loan repayment schedule was created. The representative example was prepared on January 31, 2024.