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Cash loans
- Cash loan for sailors / Refinancing
Cash loan for sailors / Refinancing
Key feature
From EUR 500 to EUR 20.000
- Repayment period from 3 to 96 months
- Fixed nominal interest rate of 7.95% / Effective interest rate of 8.40%
- Variable nominal interest rate of 6.95%+6M Euribor / Effective interest rate of 7.33%
- Bank fee from 0,5% up to 2% of the loan amount
- Quick and easy way to get loan
- Clients who do not hold the rank of officer, for amounts up to € 10,000.00, a loan may be granted with one guarantor. For larger amounts, it is necessary to provide more guarantors, depending on their individual creditworthiness
- Clients who hold the rank of officer can be granted a loan without guarantors
* * The Bank reserves the right to accept an alternative security instrument if found acceptable and in line with the Bank's business policy.
Required documentation
Loan application
Administrative withholding order on salary/pension
Consent for an enquiry in the Credit Bureau Registry (R.K.B.)
Representative example
Loan amount
Repayment term
Nominal interest rate
Monthly repayment
Administrative fee
Effective interest rate
Total debt
20.000 €
96 months
7,95%
288,25 €
100 €
8,40%
27.200,79 €
Representative example (Variable interest rate)
Loan amount
Repayment term
Nominal interest rate
Monthly repayment
Administrative fee
Effective interest rate
Total debt
20.000 €
96 months
6.95%+6M Euribor
272,20 €
100 €
7,33%
Fiksna kamatna stopa
Varijabilna kamatna stopa
Iznos kredita
20.000 €
20.000 €
Rok otplate
96 mjeseca
96 mjeseca
Nominalna kamatna stopa
6.95%+6M Euribor
6.95%
Anuitet
272.20 €
272.20 €
Administrativna naknada
100 €
100 €
Efektivna kamatna stopa
7,33%
7,33%
Ukupan dug
20.000 €
26.235,65 €
* The calculation of the 6-month EURIBOR is done twice a year (January 1st and July 1st).
**The total debt includes the loan amount, total interest, loan processing fee, cost of bill of exchange of EUR 2 and cost of the Montenegrin Credit Registar enquiry of EUR 3.00.
*** The data on this loan may vary depending on the client's solvency. For more information, please visit a local branch of Lovćen banka AD or make an appointment by phone on 19 993 or send an e-mail to: kontakt@lovcenbanka.me