Promotional offers
In accordance with the initiative launched by the Central Bank of Montenegro, we are pleased to inform you about the adjustment of interest rates for selected loan products at Adriatic Bank AD Podgorica.
Our mission is to enable you better financing conditions, thus supporting your economic needs in every situation. Take a look at our improved conditions and take advantage of the opportunity to realize your plans under more attractive conditions.
The action lasts until 30 June 2026.
Our mission is to enable you better financing conditions, thus supporting your economic needs in every situation. Take a look at our improved conditions and take advantage of the opportunity to realize your plans under more attractive conditions.
The action lasts until 30 June 2026.
Pensioner Loans (without insurance policy)
Maximum amount
: € 20.000
Maximum maturity
: 84 months
Current NIR
: 8.95%
New NIR : 7.95%
New NIR : 7.95%
Current EIR
: 9.12%
New EIR : 8.13%
New EIR : 8.13%
Detailed data
| Pensioner Loans | |
|---|---|
| Annual nominal interest rate (NIR) | 7.95% |
| Annual effective interest rate (EIR) | 8.13% |
| Loan processing fee (charged one-off upon loan disbursement) | € 254 (depending on the loan amount and term) |
| Fee for inquiry in the Credit Registry of the Central Bank of Montenegro | € 3.00 |
| Annual penalty interest | 2% monthly |
| Maturity period | Up to 84 months |
| Representative Example: | For a loan in the amount of EUR 20,000.00 with a repayment period of 84 months, the annual nominal interest rate (NKS) is 7.95%, while the annual effective interest rate (EKS) is 8.24%. The calculation of the total debt and EKS includes interest costs for the entire period in the amount of EUR 5,916.92, the cost of two promissory notes in the amount of EUR 4, the fee for checking the credit bureau in the amount of EUR 3, the fee for loan processing in the amount of EUR 254.00. The sum of the total amount of the loan and the total amount of known costs amounts to EUR 26,177.92, and the monthly annuity amounts to EUR 308.49. |