Housing loan in RSD

Replace sublet rent with instalment for your own apartment. Your roof over your head - your freedom, without need for EUR exchange rate adjustments

Features of a housing loan in RSD

Minimum loan amount: 1.200.000 RSD
1
Down payment: from 10% to 20% of the requested loan amount
Repayment period up to 30 years
Variable interest rate of 2.75% to 2.85% + three-month BELIBOR, EKS 8,13%
Possibility to combine earnings of debtor and joint debtor
Life insurance for a loan beneficiary
2
Fee for loan processing : 0% of the loan amount
Administrative ban

The bank reserves the right to make a decision on the loan approval, as well as to request additional documents and guarantees.

Minimum share of 10% if the mortgage is placed on another registered object.
Wondering why it is important to insure your life during the repayment of housing loan? Housing loan is a life project. It lasts 15-20 years on average. In the event of unforeseen life circumstances it might happen that heirs cannot repay loan instalments for mortgaged apartment. In order to secure your family, it is important to get insurance. The insurance company will reimburse the outstanding loan amount and the bank will clear the mortgage. It all depends on you.

Reprezentativni primer dinarskog stambenog kredita sa varijabilnom kamatom
Vrednost nekretnine	5.250.000 RSD
Učešće klijenta	1.050.000 RSD
Iznos kredita banke	4.200.000 RSD
Rok otplate	20 godina
NKS na godišnjem nivou do 31.12.2027	7,12%
Mesečna rata do 31.12.2027	32.871 RSD
NKS na godišnjem nivou nakon 31.12.2027	2.75% + tromesečni BELIBOR
Mesečna rata nakon 31.12.2027	33.699 RSD
Naknada za puštanje kredita (0% od iznosa kredita)	0 RSD
Troškovi koji prate odobrenje kredita, poznati u trenutku oglašavanja
Trošak menica	100 RSD
Trošak povlačenja Izveštaja Kreditnog biroa	246 RSD
Overa založne izjave	16.848 RSD
Osiguranje imovine na godišnjem nivou	40 EUR u dinarskoj protivvrednosti
Trošak pribavljanja izvoda lista nepokretnosti	10 EUR u dinarskoj protivvrednosti
Procena nekretnine svake treće godine	100 EUR u dinarskoj protivvrednosti
Troškovi upisa hipoteke	29.390 RSD
EKS na godišnjem nivou	8.13%
Cena kredita (kamata i troškovi)	4.107.442 RSD
Ukupan iznos kredita (glavnica, kamata i troškovi)	8.307.442 RSD
EKS obračunat na dan	20.07.2026.

. Kamatna stopa je varijabilna i sastoji se od referentne kamatne stope tromesečnog BELIBOR-a, kao varijabilnog dela, i marže Banke, kao fiksnog dela, u skladu sa Pregledom kamata i naknada za kredite za fizička lica. U kalkulativnom primeru primenjena je vrednost tromesečnog BELIBOR-a na dan 20.07.2026. od 4.70%. Kamata se usklađuje sa vrednošću tromesečnog BELIBOR-a na kvartalnom nivou. U reprezentativnom primeru prikazane su prosečne vrednosti troškova na iznos kredita od 35.000 EUR koje padaju na teret Korisnika kredita, na koje Banka ne može uticati. Ponuda je informativnog karaktera. Za personalizovanu ponudu na raspolaganju smo vam u ekspoziturama naše Banke.

Do you have any additional questions?

If you have any questions or concerns, our experienced bankers are at your disposal.

Access the calculator of the National Bank of Serbia

Do you have any additional questions?

If you have any questions or concerns, our experienced bankers are at your disposal.

Loan applicant:

permanent employment of indefinite duration minimum 6 months with the current employer
transfer of personal income to the current account held with our Bank

Loan collateral instruments

Enclosed real estate insurance policy
Enclosed life insurance policy optionally at the client’s request
Bill of exchange and bill of exchange authorization
First-class mortgage on real estate
Administrative ban

Additional benefits

You can take life and property insurance in each of our Bank’s branch and thus complete the entire process easily and in one place. Regular payment of insurance premium is provided through standing order which is free of charge and exempt from payments fee.