About this loan
Centralus Goods loan is a financial product for individuals wishing to purchase goods or services who do not currently have sufficient funds of their own. It provides straightforward, timely financing with clearly defined repayment terms, without complex procedures or hidden costs. Clients can choose a loan of up to 20.000 KM, with flexible repayment over up to 60 months, depending on their circumstances.
The Goods loan is a straightforward way to plan larger purchases such as household appliances, electronics, furniture and other items. Clear terms and interest rates help clients manage their obligations, while a responsive approval process and limited paperwork provide convenient access to the funds they need.
Illustrative example and current annual percentage rate (APR) range
| Loan type | Loan amount | Repayment term | Nominal interest rate | Processing fee | APR range* |
|---|---|---|---|---|---|
| Centralus Goods loan | 2.000,00 KM | 12 months | 25,99% fixed | 1-2% | 26,76%-65,26% |
Processing fee under the approved offer: 1–2%. Additional costs: promissory note 5,00 KM, certification 4,00 KM.
The stated annual percentage rates (APR) are calculated for both the maximum loan amounts and terms and the minimum loan amounts and terms.
Indicative instalment schedule
| CENTRALUS GOODS LOAN | |||||
|---|---|---|---|---|---|
| Loan amount | over 12 months | over 24 months | over 36 months | over 48 months | over 60 months |
| 1000,00 KM | 95.53 | 53.87 | 40.29 | 33.71 | 29.93 |
| 5.000,00 KM | 477.63 | 269.35 | 201.43 | 168.56 | 149.67 |
| 10.000,00 KM | 955.25 | 538.7 | 402.85 | 337.12 | 299.35 |
| 15.000,00 KM | 1432.88 | 808.04 | 604.28 | 505.68 | 449.02 |
* The table shows the approved APR range for this product, rather than an individual APR calculation for the amount and term shown. Individual APR and final terms are stated in the standard information sheet and contractual offer. The instalment schedule retains the indicative values previously published on the website.
*MKD Centralus states/approves loans in KM indexed to EUR at the Central Bank of Bosnia and Herzegovina middle exchange rate on the date the agreement is drawn up.
This calculation is indicative and does not constitute a binding offer. Final loan terms may differ.
Documents, general business terms and standard information sheet
