CKB Pensioner Cash Loan

  • For loans up to 12.000 EUR, insurance policy free of charge!*
  • Approved same day!

Loan calculator

EUR
Annual nominal interest rate NIR
Annual effective interest rate
Loan approval fee
Fee amount
Yes, I am interested
Total loan amount
Monthly installment
Total repayment amount
Interest amount
Yes, I am interested

Special advantage!!

Take advantage of the benefits of applying online! Have your loan approved in 1 day! Apply Now!

Representative example

For the loan amount of EUR 10.000 and repayment term of 96 months, the nominal interest rate (NIR) is 10,49%, while the effective interest rate (EIR) amounts to 11,05%. In the calculation of EIR for this example, following costs are included: interest for the entire period (EUR 4.573,17), approval fee of 1,70% (EUR 170), bill of exchange cost (EUR 2) and the cost of access to data in the Credit Registry (EUR 3). The sum of the total costs amounts to EUR 4.748,12, and the amount of monthly installments is EUR 151,80.

*All values from representative example are calculated on February 1, 2020.

Application form

+382

ex 67123456

I agree that CKB uses my data for the purpose of applying for CKB cash loan.*

Description of the applications steps

  1. Expect a call from the branch

    Expect a call from the branch

  2. Make an appointment at the time that suits you the most

    Make an appointment at the time that suits you the most

  3. Hand over completed loan documentation and the loan will be disbursed the same day

    Hand over completed loan documentation and the loan will be disbursed the same day

Aleksandra Popović

Aleksandra Popović

I submitted a cash loan request at the CKB Bank branch in Moskovska Street. I am extremely satisfied with the professional attitude of the loan officer, kindness as well as the speed of processing the request. I remain a satisfied user of your services.
Zorica Grbić

Zorica Grbić

When I applied for CKB loan for pensioners, I had a kind and professional reception, I received all the necessary information about the conditions of the loan and other bank products. The loan was quickly realized which reinforced my previously formed good opinion about this bank.

General Information

chevron-green To whom is CKB cash loan intended?
CKB cash loan is intended to all employees or pensioners who receive salary or pension on CKB account.
chevron-green May I apply for CKB cash loan even if I have loan in other bank?
Yes, if total monthly installments of all loans are not higher than 50% of your monthly salary.
chevron-green Is it possible to close the loan in other bank?
Yes, it is. When applying for CKB cash loan, please provide a certificate of debt in another bank. When disbursing CKB cash loan, part of the loan will be directed directly to another bank’s account to close the existing loan.
chevron-green What documents do I need for applying for CKB cash loan?
Beside loan application form, you need to submit a certified and stamped administrative ban as well as employement certificate.

Loan repayment

chevron-green On how many years is possible to repay a cash loan?
CKB cash loan is approved for up to 8 years.
chevron-green Is it possible to repay the loan earlier?
In the case of prepayment of the loan, the Bank is entitled to fee for possible costs directly related to the early repayment of the loan, in the amount, manner and under the conditions as determined by the positive regulations, as follows: repayment is 1% of the amount of the loan repaid if the period is between day of early repayment and maturity of the loan contract is longer than 12 months, or if the period between the days of early repayment and maturity of the loan contract is not more than 12 months, the amount of the repayment is 0.5% of the amount of the ealry repaid loan. The Bank shall be entitled to fee under this Article if the early repayment amount over a period of 12 months exceeds EUR 10,000.
chevron-green By what method of interest rate calculation the bank calculates interest?
CKB calculates the interest rate according to the conformal method, which is more favorable for the client than the proportional method. In this case, interest is charged on the remaining principal amount, not the entire principal.