Beograd : 16.10.2020.

GORAN STOŠIĆ
MIJATOVAC BB, MIJATOVAC

Poštovani,

Kako je 30. septembra prestao zastoj u otplati kredita (moratorijum) prema Odluci Narodne banke
Srbije (NBS) o privremenim merama za banke radi ublažavanja posledica pandemije COVID-19 u
cilju očuvanja stabilnosti finansijskog sistema, dostavljamo Vam novi plan otplate kredita za naredni
period.

Plan otplate sadrži i novi iznos obaveza koje su promenjene u odnosu na period pre zastoja u
otplati, što je rezultat raspoređivanja kamate iz perioda trajanja moratorijuma na preostali period
otplate. Ukoliko kredit ima ugovorenu promenljivu kamatnu stopu, ovim planom je obuhvaćena i ta
promena, za naredni period.

Broj kredita: 5476201088847

Stanje kredita na dan 1.8.2020:
*stanje duga sadrži i iznos dospelog duga, ukoliko postoji 435,034.70 RSD
Stanje kredita na dan 1.10.2020:
*stanje duga sadrži i iznos dospelog duga, ukoliko postoji 435,034.70 RSD
Kamatna stopa: 12.00% fiksna
Efektivna kamatna stopa: 13.24%

Ukoliko želite da na drugačiji način izmirite obaveze nastale u periodu trajanja zastoja, u roku od 7
dana od dana prijema ovog obaveštenja, možete se obratiti savetniku u Banca Intesa kako biste
podneli zahtev za alternativni model otplate. Alternativni model koji Vam je na raspolaganju
predviđen je od strane NBS i podrazumeva da obaveze iz perioda zastoja izmirite odmah po isteku
zastoja, i to na jedan od sledeća dva načina:
- odjednom sve obaveze iz perioda zastoja (kamatu i glavnicu) ili
- samo obaveze po osnovu kamate koja se odnosi na period zastoja, pri čemu će glavnica iz
perioda moratorijuma biti objedinjena sa preostalim dugom i raspoređena na preostali rok
otplate, koji je produžen za period trajanja moratorijuma.

Takođe, napominjemo da je NBS donela posebnu Instrukciju kojom je uredila da banke ujednače
efekte primene propisanih mera iz moratorijuma I i moratorijuma II na obaveze klijenata, koje
nastupaju po okončanju zastoja u otplati.   

Postupajući po opisanoj Instrukciji NBS, sprovešćemo navedeno usklađivanje na način da će za

iznos pripisa kamate po moratorijumu I biti umanjen iznos ostatka glavnice kredita . Efekti ove
izmene će dodatno promeniti plan otplate kredita, o čemu ćete blagovremeno biti obavešteni.

Za dodatne informacije ako vam budu potrebne, na raspolaganju su Vam naše kolege iz kontakt
centra na broju telefona 011/310 88 88.

Ovo obaveštenje popunjeno je elektronski i ne zahteva pečat i potpis ovlašćenih lica.

Vaša Banca Intesa

Period Datum Isplata Druge Anuitet Uplata Uplata Druge uplate/ Stanje Tokovi Opis Neto novčani Diskontovani Diskontovana Diskontovani
dospeća kredita isplate glavnice kamate Troškovi kredita novčanog tok neto novčani isplata kredita tokovi novčanog
depozita tok depozita

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
19 01.10.2020 0.00 0.00 -11,575.35 -11,575.35 0.00 11,575.35 434,533.72 0.00 pripis 0.00 -9,963.52 0.00 0.00
20 18.10.2020 0.00 0.00 8,226.95 3,931.77 4,295.18 172.48 430,601.95 0.00 rata; kamata; morat.kam.; 8,399.43 7,040.60 0.00 0.00
21 18.11.2020 0.00 0.00 8,226.95 3,777.40 4,449.55 172.48 426,824.55 0.00 rata; kamata; morat.kam.; 8,399.43 6,966.86 0.00 0.00
22 18.12.2020 0.00 0.00 8,226.95 3,958.70 4,268.25 172.48 422,865.85 0.00 rata; kamata; morat.kam.; 8,399.43 6,896.23 0.00 0.00
23 18.01.2021 0.00 0.00 8,226.95 3,857.34 4,369.61 172.48 419,008.51 0.00 rata; kamata; morat.kam.; 8,399.43 6,823.88 0.00 0.00
24 18.02.2021 0.00 0.00 8,226.95 3,897.20 4,329.75 172.48 415,111.31 0.00 rata; kamata; morat.kam.; 8,399.43 6,752.21 0.00 0.00
25 18.03.2021 0.00 0.00 8,226.95 4,352.58 3,874.37 172.48 410,758.73 0.00 rata; kamata; morat.kam.; 8,399.43 6,688.12 0.00 0.00
26 18.04.2021 0.00 0.00 8,226.95 3,982.44 4,244.51 172.48 406,776.29 0.00 rata; kamata; morat.kam.; 8,399.43 6,617.88 0.00 0.00
27 18.05.2021 0.00 0.00 8,226.95 4,159.19 4,067.76 172.48 402,617.10 0.00 rata; kamata; morat.kam.; 8,399.43 6,550.60 0.00 0.00
28 18.06.2021 0.00 0.00 8,226.95 4,066.57 4,160.38 172.48 398,550.53 0.00 rata; kamata; morat.kam.; 8,399.43 6,481.80 0.00 0.00
29 18.07.2021 0.00 0.00 8,226.95 4,241.44 3,985.51 172.48 394,309.09 0.00 rata; kamata; morat.kam.; 8,399.43 6,415.91 0.00 0.00
30 18.08.2021 0.00 0.00 8,226.95 4,152.42 4,074.53 172.48 390,156.67 0.00 rata; kamata; morat.kam.; 8,399.43 6,348.52 0.00 0.00
31 18.09.2021 0.00 0.00 8,226.95 4,195.33 4,031.62 172.48 385,961.34 0.00 rata; kamata; morat.kam.; 8,399.43 6,281.84 0.00 0.00
32 18.10.2021 0.00 0.00 8,226.95 4,367.34 3,859.61 172.48 381,594.00 0.00 rata; kamata; morat.kam.; 8,399.43 6,217.98 0.00 0.00
33 18.11.2021 0.00 0.00 8,226.95 4,283.81 3,943.14 172.48 377,310.19 0.00 rata; kamata; morat.kam.; 8,399.43 6,152.67 0.00 0.00
34 18.12.2021 0.00 0.00 8,226.95 4,453.85 3,773.10 172.48 372,856.34 0.00 rata; kamata; morat.kam.; 8,399.43 6,090.13 0.00 0.00
35 18.01.2022 0.00 0.00 8,226.95 4,374.10 3,852.85 172.48 368,482.24 0.00 rata; kamata; morat.kam.; 8,399.43 6,026.16 0.00 0.00
36 18.02.2022 0.00 0.00 8,226.95 4,419.30 3,807.65 172.48 364,062.94 0.00 rata; kamata; morat.kam.; 8,399.43 5,962.87 0.00 0.00
37 18.03.2022 0.00 0.00 8,226.95 4,829.03 3,397.92 172.48 359,233.91 0.00 rata; kamata; morat.kam.; 8,399.43 5,906.27 0.00 0.00
38 18.04.2022 0.00 0.00 8,226.95 4,514.87 3,712.08 172.48 354,719.04 0.00 rata; kamata; morat.kam.; 8,399.43 5,844.24 0.00 0.00
39 18.05.2022 0.00 0.00 8,226.95 4,679.76 3,547.19 172.48 350,039.28 0.00 rata; kamata; morat.kam.; 8,399.43 5,784.83 0.00 0.00
40 18.06.2022 0.00 0.00 8,226.95 4,609.88 3,617.07 172.48 345,429.40 0.00 rata; kamata; morat.kam.; 8,399.43 5,724.07 0.00 0.00
41 18.07.2022 0.00 0.00 8,226.95 4,772.66 3,454.29 172.48 340,656.74 0.00 rata; kamata; morat.kam.; 8,399.43 5,665.88 0.00 0.00
42 18.08.2022 0.00 0.00 8,226.95 4,706.83 3,520.12 172.48 335,949.91 0.00 rata; kamata; morat.kam.; 8,399.43 5,606.37 0.00 0.00
43 18.09.2022 0.00 0.00 8,226.95 4,755.47 3,471.48 172.48 331,194.44 0.00 rata; kamata; morat.kam.; 8,399.43 5,547.49 0.00 0.00
44 18.10.2022 0.00 0.00 8,226.95 4,915.01 3,311.94 172.48 326,279.43 0.00 rata; kamata; morat.kam.; 8,399.43 5,491.10 0.00 0.00
45 18.11.2022 0.00 0.00 8,226.95 4,855.40 3,371.55 172.48 321,424.03 0.00 rata; kamata; morat.kam.; 8,399.43 5,433.42 0.00 0.00
46 18.12.2022 0.00 0.00 8,226.95 5,012.71 3,214.24 172.48 316,411.32 0.00 rata; kamata; morat.kam.; 8,399.43 5,378.19 0.00 0.00
47 18.01.2023 0.00 0.00 8,226.95 4,957.37 3,269.58 172.48 311,453.95 0.00 rata; kamata; morat.kam.; 8,399.43 5,321.70 0.00 0.00
48 18.02.2023 0.00 0.00 8,226.95 5,008.59 3,218.36 172.48 306,445.36 0.00 rata; kamata; morat.kam.; 8,399.43 5,265.81 0.00 0.00
49 18.03.2023 0.00 0.00 8,226.95 5,366.79 2,860.16 172.48 301,078.57 0.00 rata; kamata; morat.kam.; 8,399.43 5,215.83 0.00 0.00
50 18.04.2023 0.00 0.00 8,226.95 5,115.80 3,111.15 172.48 295,962.77 0.00 rata; kamata; morat.kam.; 8,399.43 5,161.05 0.00 0.00
51 18.05.2023 0.00 0.00 8,226.95 5,267.32 2,959.63 172.48 290,695.45 0.00 rata; kamata; morat.kam.; 8,399.43 5,108.58 0.00 0.00
52 18.06.2023 0.00 0.00 8,226.95 5,223.10 3,003.85 172.48 285,472.35 0.00 rata; kamata; morat.kam.; 8,399.43 5,054.92 0.00 0.00
53 18.07.2023 0.00 0.00 8,226.95 5,372.23 2,854.72 172.48 280,100.12 0.00 rata; kamata; morat.kam.; 8,399.43 5,003.54 0.00 0.00
54 18.08.2023 0.00 0.00 8,226.95 5,332.58 2,894.37 172.48 274,767.54 0.00 rata; kamata; morat.kam.; 8,399.43 4,950.98 0.00 0.00
55 18.09.2023 0.00 0.00 8,226.95 5,387.69 2,839.26 172.48 269,379.85 0.00 rata; kamata; morat.kam.; 8,399.43 4,898.98 0.00 0.00
56 18.10.2023 0.00 0.00 8,226.95 5,533.15 2,693.80 172.48 263,846.70 0.00 rata; kamata; morat.kam.; 8,399.43 4,849.18 0.00 0.00
57 18.11.2023 0.00 0.00 8,226.95 5,500.53 2,726.42 172.48 258,346.17 0.00 rata; kamata; morat.kam.; 8,399.43 4,798.25 0.00 0.00
58 18.12.2023 0.00 0.00 8,226.95 5,643.49 2,583.46 172.48 252,702.68 0.00 rata; kamata; morat.kam.; 8,399.43 4,749.47 0.00 0.00
59 18.01.2024 0.00 0.00 8,226.95 5,615.69 2,611.26 172.48 247,086.99 0.00 rata; kamata; morat.kam.; 8,399.43 4,699.67 0.00 0.00
60 18.02.2024 0.00 0.00 8,226.95 5,673.72 2,553.23 172.48 241,413.27 0.00 rata; kamata; morat.kam.; 8,399.43 4,650.44 0.00 0.00
61 18.03.2024 0.00 0.00 8,226.95 5,893.29 2,333.66 172.48 235,519.98 0.00 rata; kamata; morat.kam.; 8,399.43 4,604.86 0.00 0.00
62 18.04.2024 0.00 0.00 8,226.95 5,793.24 2,433.71 172.48 229,726.74 0.00 rata; kamata; morat.kam.; 8,399.43 4,556.63 0.00 0.00
63 18.05.2024 0.00 0.00 8,226.95 5,929.68 2,297.27 172.48 223,797.06 0.00 rata; kamata; morat.kam.; 8,399.43 4,510.43 0.00 0.00
64 18.06.2024 0.00 0.00 8,226.95 5,914.38 2,312.57 172.48 217,882.68 0.00 rata; kamata; morat.kam.; 8,399.43 4,463.19 0.00 0.00
65 18.07.2024 0.00 0.00 8,226.95 6,048.12 2,178.83 172.48 211,834.56 0.00 rata; kamata; morat.kam.; 8,399.43 4,417.94 0.00 0.00
66 18.08.2024 0.00 0.00 8,226.95 6,037.99 2,188.96 172.48 205,796.57 0.00 rata; kamata; morat.kam.; 8,399.43 4,371.66 0.00 0.00
67 18.09.2024 0.00 0.00 8,226.95 6,100.39 2,126.56 172.48 199,696.18 0.00 rata; kamata; morat.kam.; 8,399.43 4,325.87 0.00 0.00
68 18.10.2024 0.00 0.00 8,226.95 6,229.99 1,996.96 172.48 193,466.19 0.00 rata; kamata; morat.kam.; 8,399.43 4,282.01 0.00 0.00
69 18.11.2024 0.00 0.00 8,226.95 6,227.80 1,999.15 172.48 187,238.39 0.00 rata; kamata; morat.kam.; 8,399.43 4,237.16 0.00 0.00
70 18.12.2024 0.00 0.00 8,226.95 6,354.57 1,872.38 172.48 180,883.82 0.00 rata; kamata; morat.kam.; 8,399.43 4,194.21 0.00 0.00
71 18.01.2025 0.00 0.00 8,226.95 6,357.82 1,869.13 172.48 174,526.00 0.00 rata; kamata; morat.kam.; 8,399.43 4,150.20 0.00 0.00
72 18.02.2025 0.00 0.00 8,226.95 6,423.51 1,803.44 172.48 168,102.49 0.00 rata; kamata; morat.kam.; 8,399.43 4,106.62 0.00 0.00
73 18.03.2025 0.00 0.00 8,226.95 6,657.99 1,568.96 172.48 161,444.50 0.00 rata; kamata; morat.kam.; 8,399.43 4,067.64 0.00 0.00
74 18.04.2025 0.00 0.00 8,226.95 6,558.69 1,668.26 172.48 154,885.81 0.00 rata; kamata; morat.kam.; 8,399.43 4,024.92 0.00 0.00
75 18.05.2025 0.00 0.00 8,226.95 6,678.09 1,548.86 172.48 148,207.72 0.00 rata; kamata; morat.kam.; 8,399.43 3,984.00 0.00 0.00
76 18.06.2025 0.00 0.00 8,226.95 6,695.47 1,531.48 172.48 141,512.25 0.00 rata; kamata; morat.kam.; 8,399.43 3,942.16 0.00 0.00
77 18.07.2025 0.00 0.00 8,226.95 6,811.83 1,415.12 172.48 134,700.42 0.00 rata; kamata; morat.kam.; 8,399.43 3,902.08 0.00 0.00
78 18.08.2025 0.00 0.00 8,226.95 6,835.05 1,391.90 172.48 127,865.37 0.00 rata; kamata; morat.kam.; 8,399.43 3,861.10 0.00 0.00
79 18.09.2025 0.00 0.00 8,226.95 6,905.67 1,321.28 172.48 120,959.70 0.00 rata; kamata; morat.kam.; 8,399.43 3,820.54 0.00 0.00
80 18.10.2025 0.00 0.00 8,226.95 7,017.35 1,209.60 172.48 113,942.35 0.00 rata; kamata; morat.kam.; 8,399.43 3,781.70 0.00 0.00
81 18.11.2025 0.00 0.00 8,226.95 7,049.55 1,177.40 172.48 106,892.80 0.00 rata; kamata; morat.kam.; 8,399.43 3,741.99 0.00 0.00
82 18.12.2025 0.00 0.00 8,226.95 7,158.02 1,068.93 172.48 99,734.78 0.00 rata; kamata; morat.kam.; 8,399.43 3,703.95 0.00 0.00
83 18.01.2026 0.00 0.00 8,226.95 7,196.36 1,030.59 172.48 92,538.42 0.00 rata; kamata; morat.kam.; 8,399.43 3,665.04 0.00 0.00
84 18.02.2026 0.00 0.00 8,226.95 7,270.72 956.23 172.48 85,267.70 0.00 rata; kamata; morat.kam.; 8,399.43 3,626.55 0.00 0.00
85 18.03.2026 0.00 0.00 8,226.95 7,431.12 795.83 172.48 77,836.58 0.00 rata; kamata; morat.kam.; 8,399.43 3,592.13 0.00 0.00
86 18.04.2026 0.00 0.00 8,226.95 7,422.64 804.31 172.48 70,413.94 0.00 rata; kamata; morat.kam.; 8,399.43 3,554.40 0.00 0.00
87 18.05.2026 0.00 0.00 8,226.95 7,522.81 704.14 172.48 62,891.13 0.00 rata; kamata; morat.kam.; 8,399.43 3,518.27 0.00 0.00
88 18.06.2026 0.00 0.00 8,226.95 7,577.07 649.88 172.48 55,314.06 0.00 rata; kamata; morat.kam.; 8,399.43 3,481.31 0.00 0.00
89 18.07.2026 0.00 0.00 8,226.95 7,673.81 553.14 172.48 47,640.25 0.00 rata; kamata; morat.kam.; 8,399.43 3,445.92 0.00 0.00
90 18.08.2026 0.00 0.00 8,226.95 7,734.67 492.28 172.48 39,905.58 0.00 rata; kamata; morat.kam.; 8,399.43 3,409.73 0.00 0.00
91 18.09.2026 0.00 0.00 8,226.95 7,814.59 412.36 172.48 32,090.99 0.00 rata; kamata; morat.kam.; 8,399.43 3,373.92 0.00 0.00
92 18.10.2026 0.00 0.00 8,226.95 7,906.04 320.91 172.48 24,184.95 0.00 rata; kamata; morat.kam.; 8,399.43 3,339.62 0.00 0.00
 93 18.11.2026 0.00 0.00 8,226.95 7,977.04 249.91 172.48 16,207.91 0.00 rata; kamata; morat.kam.; 8,399.43 3,304.54 0.00 0.00
94 18.12.2026 0.00 0.00 8,226.95 8,064.87 162.08 172.48 8,143.04 0.00 rata; kamata; morat.kam.; 8,399.43 3,270.95 0.00 0.00
95 18.01.2027 0.00 0.00 8,227.18 8,143.04 84.14 172.56 0.00 0.00 rata; kamata; morat.kam.; 8,399.74 3,236.69 0.00 0.00
Ukupno 450,000.00 0.00 702,267.15 450,000.00 252,267.15 53,446.22 0.00 0.00 305,713.37 0.00 450,000.00 0.00