Terms of payment

In vitro fertilization is, for many people, a way to realize their dreams. In order to give you support on this path we give you the possibility to pay the treatment in 6 or 12 monthly instalments.
Another option is an interest-free loan. Crédit Agricole Bank and specialised gynaecological hospital Genesis entered into a partnership that helps future parents.
Terms of interest-free financing
Main characteristics of the loan: Consumer loan indexed in EUR – Interest Rate 0%

• Loan type: Consumer Loan in EUR
• Loan currency: RSD indexed in EUR
• Criteria for indexation: in EUR
• Loan amount: EUR 500 – 10,000
• Repayment period: 6 – 36 months
• Participation: min 30%
• Nominal interest rate: 0%
• The cost of processing the loan: 0%
• Early and partial repayment: 0%

A representative example

The amount on the invoice	Loan	Participation	Repayment period	Interest rate	Instalment	Effective interest rate
EUR 2.000	EUR 1.400	EUR 600	24 month	0,00%*	EUR 58,33	3,04%

* The interest rate is fixed. EIR was calculated on 16 June 2015. Maturity rate is the 5th of every month.
The costs charged to the client entering the EIR: 50-dinar bills of exchange, Credit bureau costs of RSD 246, account maintenance cost of RSD 230 per month for clients.
Security instruments:

• Solo blank promissory note without protest, with a letter of authorization
• Attachment