CKB keš kredit za penzionere en

CKB Pensioner Cash Loan

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

Loan calculator

Take advantage of a discount for all online applications! For all clients who apply online for CKB cash loan, we approve a 0.5% lower nominal interest rate than the standard offer.

In the action until the end of May 2021, we are giving away CKB GO service to all users of CKB cash loans for free for the first 6 months!

Total loan amount
Monthly installment
Total repayment amount
Interest amount
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Annual nominal interest rate NIR

Annual effective interest rate

Loan approval fee

Fee amount

The loan calculator is for informational purposes only and cannot be used for other purposes. The calculation of the effective interest rate in this loan calculator includes the costs of the bill of exchange (2 EUR) and the inquiry to the Credit Registry (3 EUR), as well as the amount of the loan approval fee which is 1.7% of the loan amount.



Application form

+382

General Information

CKB cash loan is intended to all employees or pensioners who receive salary or pension on CKB account.

Yes, if total monthly installments of all loans are not higher than 50% of your monthly salary.

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.

Beside loan application form, you need to submit a certified and stamped administrative ban as well as employement certificate.

Loan repayment

CKB cash loan is approved for up to 72 months.

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.

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.


The credit calculator is for informational purposes only and it cannot be used for other purposes. The calculation of the effective interest rate in this credit calculator includes cost of the bill of exchange (2 EUR) and the inquiry to the Credit Registry (3 EUR).

Approval of CKB cash loans depends on the credit worthiness of the client, as well as the bank's internal criteria and General Terms and Conditions, so the conditions of the approved loan may differ from those stated in the credit calculator.

In accordance with the current pricing policy of the bank, you can view loan prices in the Condition list for Retail loans.
 
*Insurance policy for loans up to 12.000 EUR is free of charge. The cost of insurance policy, as insurance contractor, is paid by the bank to the insurance company.

By granting consent for the use of personal data, the client will fully authorize the bank to use and analyze the personal information provided in the Application Form for the purpose of applying for CKB cash loans. Consent to the processing of personal data is valid until the moment of its revocation by the client.

The Client may withdraw the consent in person (by visiting the nearest CKB branch), in writing (at the address of Crnogorska Komercialna banka AD Podgorica, Moskovska bb, 81000 Podgorica, Montenegro) or by phone (CKB Contact Center 19894).