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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 31 December 2025.
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 31 December 2025.
Cash Loan
Maximum amount
: € 20.000
Action maximum amount : € 30.000
Action maximum amount : € 30.000
Maximum maturity
: up to 84 months
Action maximum maturity : up to 96 months
Action maximum maturity : up to 96 months
Current NIR
: 6.95%
Action NIR : from 5,75 % to 8,50%
Action NIR : from 5,75 % to 8,50%
Current EIR
: 7.47%
New EIR : from 5,77% to 8,51%
New EIR : from 5,77% to 8,51%
| Cash Loan | |
|---|---|
| Annual nominal interest rate (NIR) | 5,75% |
| Annual effective interest rate (EIR) | 5,77% |
| Fee for inquiry in the Credit Registry of the Central Bank of Montenegro | € 3,00 |
| Annual penalty interest | Nominal interest rate increased for 100% |
| Maturity period | 84 months |
| Representative Example | For a loan amount of €15,000.00 with a repayment period of 48 months, the nominal interest rate (NIR) is 5.75%, while the effective interest rate (EIR) is 5.77%. The calculation of the total debt and the EIR includes: total interest costs for the entire period in the amount of €1,778.86, the cost of 2 promissory notes in the amount of €4.00, a credit bureau inquiry fee of €3.00, and a loan processing fee of €0.00. The total amount of the loan together with all known loan-related costs amounts to €16,785.86, and the monthly installment is €349.56. The representative example is based on a calculation dated September 25, 2025. |
| Cash Loan | |
|---|---|
| Annual nominal interest rate (NIR) | 8,50% |
| Annual effective interest rate (EIR) | 8,51% |
| Fee for inquiry in the Credit Registry of the Central Bank of Montenegro | 3,00 |
| Annual penalty interest | Nominal interest rate increased for 100% |
| Maturity period | Up to 96 months |
| Representative Example | For a loan amount of 25,000.00 with a repayment period of 96 months, the nominal interest rate (NIR) is 8.50%, while the effective interest rate (EIR) is 8.51%. In the calculation of the total debt and EIR, interest costs for the entire period in the amount of 9,155.70, the cost of 2 promissory notes in the amount of 4.00, the fee for credit bureau inquiry in the amount of 3, and the loan processing fee of 0 are included. The sum of the total loan amount and the total amount of known loan costs is 34,162.70, and the monthly installment amounts to 349.56. The representative example is shown based on the calculation as of 25.09.2025. |
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 | Nominal interest rate increased for 50% |
| Maturity period | Up to 84 months |
| Representative Example: | For a loan in the amount of € 20,000.00 and a repayment period of 84 months, with an approval fee of € 254,00 (depending on the loan amount and term) and included administrative costs (two bills of exchange: € 4.00 and a fee for insight in the CBCG credit register: € 3.00), the nominal interest rate (NIR) is 7.95% while the effective interest rate (EIR) is 8.38%. The sum of the total loan amount and the total amount of known loan costs amounts to € 26,172.25, and the monthly installment amounts to € 308.49. |