Product description

Adriatic Bank Pensioner loan with life insurance policy is a non-purpose cash loan. Clients may be pensioners with a regular retirement income, who are not older than 75  at the time of repayment of the final installment.  Loan is approved with repayment period up to 7 years in amount up to 20.000 EUR without guarantors. There is possibility of loan approval without life insurance policies.

Loan calculator


Monthly payment


Total repayment

Loan calculator is for information only where total repayment amount includes only interest cost. All other expenses included in the loan processing are presented within representative example.

Conditions for loan approval

Necessary documentation

Detailed information

Pensioner loans
Annual nominal interest rate (NIR)
6.95% – 8.95% (depending on having the insurance policy as a collateral)
Annual effective interest rate (EIR)
7.79 %
Loan processing fee (charged one-off upon loan disbursement)
0,50 % – 1,00 %
Fee for data use from the CBCG credit register
3.00 EUR
Annual penalty interest
Nominal increased for 50%
Maturity period
Up to 84 months
Representative example
For the loan amount of EUR 10,000.00 and a repayment period of 84 months, an approval fee of 0.50%, included administrative costs (two bills of exchange: € 4.00 and a fee for access to the CBCG credit register: € 3.00) and the life insurance policy cost in the amount of €200.00, the nominal interest rate (NIR) is 6.95% while the effective interest rate (EIR) is 7.79%. The sum of the total loan amount and the total amount of known loan costs is EUR 12,871.64 and the monthly installment is EUR 149.65.
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