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Unique Master Citizen Number (Serbo-Croatian: Jedinstveni matični broj građana / Јединствени матични број грађана, JMBG / ЈМБГ, Macedonian: Единствен матичен број на граѓанинот, ЕМБГ, Slovene: Enotna matična številka občana, EMŠO) is an identification number that was assigned to every citizen of former Yugoslav ...
The term annual percentage rate of charge (APR), [1] [2] corresponding sometimes to a nominal APR and sometimes to an effective APR (EAPR), [3] is the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on a loan, mortgage loan, credit card, [4] etc. It is a finance charge expressed as an annual rate.
To promote financial products that do not involve debt, banks and other firms will often quote the APY (as opposed to the APR because the APY represents the customer receiving a higher return at the end of the term). For example, a certificate of deposit that has a 4.65% APR, compounded monthly, would instead be quoted as a 4.75% APY. [1]
Calling code areas in Serbia have been largely unchanged since the time of Socialist Federal Republic of Yugoslavia.As Socialist Republic of Serbia had been assigned codes starting with 1, 2 and 3, they were simply carried over by Serbia after the breakup.