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RSD refinancing loans with variable interest rate

Use the offer of 0% loan disbursement fee until 30 june 2024.

Calculate the monthly installment for the loan amount requested and the desired repayment period.

0 RSD Loan
0 Fee for loan processing
0 Loan processing fee amount
* the calculator is indicative only.

Izračunajte mesečnu ratu za traženi iznos kredita i željeni period otplate.

Upiši iznos kredita
Unesi period otplate
0 RSD Loan
0% NIR
* the calculator is indicative only.

Representative examples

Loan amount600.000 RSD1.600.000 RSD
Repayment period71 months71 months
NIR annually9,05% + three-month BELIBOR8,25% + three-month BELIBOR
Monthly instalment12.713 RSD33.222 RSD
Fee for loan processing (0%)0 RSD0 RSD
Costs associated with loan approval, known at the time of publishing
Bill of exchange100 RSD100 RSD
Credit Bureau basic report246 RSD246 RSD
EIR annually15,80 %14,89 %
Total amount of loan (principal, interest and costs)902.935 RSD2.359.100 RSD
EIR calculated on18.04.2024.18.04.2024.

The interest rate is variable and consists of a reference rate - three-month BELIBOR as a variable rate, and Bank’s margin as a fixed rate, in accordance with Bank’s Tariffs. The variable interest rate is adjusted on quarterly level, according to changes of reverence interest rate. On the day of calculation of representative example 18.04.2024, 3M Belibor is 5,69%.

Additional information about loan

Do you have any additional questions?

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.

Main features of RSD refinancing loan with variable interest rate

These conditions shall be valid upon transfer of personal income to account in our Bank. The Bank reserves the right to make a decision on the loan approval, as well as to request additional documents and guarantees. * Special offer lasts until September 30. 2022.

  • You’ve always refused the possibility to be insured even though you know that life insurance, for you as a loan beneficiary, is an important issue in the life of your family? Arrange the insurance in a few steps and safely repay your loan. Think ahead.  For the amount you would spend on meaningless things in life, insure your life and the lives of your family members. In the event of unforeseen life circumstances, the insurance company will repay your outstanding loan balance.The insurance premium is paid by the insured (loan beneficiary) and it affects the amount of loan costs.

  • This insurance is intended for the bank customers who are users of loan products and want to be insured in the event of inability to settle the due liabilities under the loan agreement in the event of a loss of business. The insurance premium is paid by the insured (loan beneficiary) and it affects the amount of loan costs.


Refinance your credit obligations with another bank quickly and easily – without going to that bank. The National Bank of Serbia’s instructions enable you to simply switch the bank and refinance all your credit obligations by taking a loan from the bank whose conditions best suit your needs. We take over all communication with the bank whose loan you want to refinance, until the loan has been closed.

List of required documents

List of required documents
Certificate of employment and income

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

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