Splitska banka Societe Generale Group > Individuals > Cash loans

Giro Account:
2330003-1000000013

Statistical no. (MB): 03129241

Registration no. (MBS): 060000488

SWIFT: SOGEHR22

VBDI: 2330003

Individuals / Cash loans / Lombard loans

Lombard loans

No guarantors required
Documentation:

Loan Application, standard Bank form
Copy of valid photo ID (personal ID, passport…)
Basic Information on loan participants, standard Bank form
Contract on the Specific-Purpose FC Term Deposit in the currency linked to the loan, signed for a period not shorter than the loan repayment period

Loan amount: minimum 1,000 EUR, maximum amount equalling the deposit amount
Deposit:

100% of the loan amount, term deposited for the loan repayment period
Deposit withdrawal possible after full repayment of the loan (upon expiry of the repayment term or after premature repayment)
The deposit can be decreased by the repaid loan amount, the ratio always being 1:1
Interest rate – fixed, depending on the fixed deposit term (loan repayment term), equalling at least to the interest rate applicable to general-purpose savings (FC term savings deposits)

Interest charged on the loan:

The difference between the interest rate on the loan and the interest rate on the deposit must be:

3.0% for loans up to EUR 15,000.00
2.5% for loans exceeding EUR 15,000.00

Fixed rate, determined by the loan repayment period (fixed deposit term)

Disbursement: in kuna according to the selling exchange rate of the Bank to the client’s current account held with the Bank
Repayment: in monthly, quarterly, semi-annual or annual instalments payable in kuna according to the Bank’s selling exchange rate on the date of payment