Information about moratorium

The moratorium or delay in repayment of liabilities applies to all credit products of the Bank: all cash and refinancing loans, loan limit and/or credit card, special-purpose loan for the purchase of devices, authorised overdraft.

The decision on the delay in repayment of loans provides for clients to declare whether or not they accept the moratorium no later than by 31 March 2020. Notwithstanding the foregoing, you may apply for the moratorium at any time by sending a message to the e-mail address: moratorijum@mobibanka.rs from the e-mail address you registered with the Bank, and the moratorium shall start to apply as of the first subsequent instalment due date. 

E.g. your loan instalment due date is 17 May 2020, and if you send the e-mail to the Bank on 18 May 2020 asking for the moratorium to start to apply, the next instalment due on 17 June 2020 will not be charged. 

In accordance with the decision of the National Bank of Serbia, the Bank is entitled to calculate the agreed, regular interest during the moratorium period and to attribute this interest to the principal at the end of the moratorium, after which a new repayment plan will be created. Thus, customers will be able to pay interest from the moratorium period through the new monthly instalments until the final maturity of the loan, which will be extended for the duration of the moratorium. 

For a representative example of cash loan repayment after the moratorium, please click here.

Yes, a partial early loan repayment will be possible during the moratorium.

For customers who have decided to accept the repayment delay offer, there will be no automatic payments of loan obligations from the current account, and payments can be made directly to the loan sub-account or by internal transfer from the current account to the loan sub-account via the Bank's application. The transferred funds will accumulate on the sub-account advance until the moment when the contractually agreed amount for early partial repayment of the loan is reached. Then early repayment will be initiated and a final repayment plan will be created after the moratorium, on a reduced principal. 

Note: If it is a special-purpose loan for device purchase and an amount less than 2 monthly instalments has been paid in, the funds will be returned to the customer's current account. 

Yes, a full early loan repayment will be possible during the moratorium.

Payments can be made directly to the loan sub-account or by internal transfer from the current account to the loan sub-account via the Bank’s application. A confirmation of your settled loan obligations will be sent to your registered e-mail address. 

The paid in funds will accumulate on the loan sub-account advance until the moment when the contractually agreed amount for early repayment of the loan is reached. 

Note: If it is a special-purpose loan for device purchase and an amount less than 2 monthly instalments has been paid in, the funds will be returned to the customer's current account. 

Yes, the credit card grace period is extended for the duration of the moratorium for all customers who have accepted the moratorium. 

For clients who have accepted the offer of moratorium, there will be no instalments due, and no regular revolving obligations due. Therefore, no charges will be collected from these customers. 

For clients who are in moratorium, there will be no instalments due, and no regular revolving obligations due. Therefore, no charges will be collected from these customers. The principle of attribution to the principal after the expiry of the moratorium will also apply to revolving interest. This implies that after the expiry of the moratorium period, revolving interest will be included in the revolving spending, which will be paid off according to the 5% model (min. RSD 1,000.00 ). Calculating maturity during the moratorium means that any spending in the month for which it is calculated will switch to revolving.

With regard to instalments, all instalments will be deferred for 3 months or for the duration of the moratorium. 

Making a payment to a credit card will close any fees and charges and release the amount in question for further spending, unless there is an interest debt from the previous period (before the start of the moratorium). If there is an interest debt from the previous period, the amount paid in will be reduced by the amount of interest.

The Bank has granted an automatic extension of the authorized current account overdraft in the same amount for an additional six months to all its customer whose overdraft has expired during the state of emergency starting from 17 March 2020.

In the event of an unauthorised overdraft, the Bank will not charge default interest.