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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 until December 31, 2024.

Features of a housing loan in RSD

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.


Representative example

Representative example of a RSD housing loan with variable interest rate
Property value3.750.000 RSD
Client down payment750.000 RSD
Bank loan amount3.000.000 RSD
Repayment period30 years
NIR annually until 31.12.20241.10% + three-month BELIBOR
Monthly instalment until 31.12.202419.060 RSD
NIR annually after 31.12.20245.45% + three-month BELIBOR
Monthly instalment after 31.12.202428.251 RSD
Fee for loan processing (0% of the loan amount)0 RSD
Costs associated with loan approval, known at the time of publishing
Bill of exchange100 RSD
Credit Bureau basic report246 RSD
Certification of pledge statement10.080 RSD
Property insurance - annually40 EUR in RSD equivalent
Issuing of real estate folio in the land register10 EUR in RSD equivalent
Real estate valuation100 EUR in RSD equivalent
Mortgage registration20.000 RSD
EIR annually 11.70%
Total amount of loan (principal, interest and costs)10.404.252 RSD
EIR calculated on26.06.2024.

The calculation of the effective interest rate contains the amount of life insurance and property insurance policies for the entire period of loan repayment. The interest rate is variable and consists of a reference rate - three-month BELIBOR as a variable rate, and Bank’ margin as a fixed rate, in accordance with Bank’s Tariffs. Variable interest rate is adjusted with 3M BELIBOR value on quarterly level. The 3 months BELIBOR value, on the day of calculations for the sake of this representative example, i.e. on 26.06.2024 stood at 5,45%. This offer is for guidance purposes only. For a personalized offer we are at your disposal at our Bank's branches.

Do you have any additional questions?

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

Calculate your instalment on the assumption of the variable part of the interest rate change

Access the calculator of the National Bank of Serbia here

Do you have any additional questions?

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

Additional information on applying for a housing loan in RSD

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.

List of required documents

List of documents for housing loan

Please submit the application via our online contact form, and we will contact you

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