Investment loan
Investment loan is intended for investing into
long-term plans such as financing of fixed assets.
Investment loan
Use the investment loan for purchase of equipment, vehicles or office space, renovation of an existing office space and refinancing of a loan at another bank.
- The minimum amount is 5.000 EUR1
- Minimum down payment is 20%
- Repayment period up to 10 years
- Up to 9 months grace period2
- Loan repayment in equal monthly annuities
- The applicant should submit a written explanation of the investment (purpose of funding, key investment information, etc.)
- Loans are approved in RSD and EUR in the dinar counter value at the NBS middle exchange rate as of loan disbursement date.
- The applicant should submit a written explanation of the investment (purpose of funding, main information regarding the investment, etc.)
For entrepreneurs, in accordance with the NBS Instruction on refinancing loans with another bank:
Refinance your credit obligations with another bank quickly and easily - without visiting that bank. Enabled by the Instruction of the National Bank of Serbia, you can simply switch banks and refinance your credit obligations with a loan that offers the conditions best suited to you. All communication with the bank whose loan you wish to refinance will be handled by us until the loan is closed.
In dinar equivalent at the average exchange rate of NBS on the day of submitting the application.
The interest is also calculated and charged on monthly basis during the grace period.
Representative example of investment loans
| Representative example for investment loan in EUR | |
| Total investment amount | 62.500 EUR |
| Down payment | 12.500 EUR |
| Loan amount* | 50.000 EUR |
| Repayment period | 120 months |
| NIR annually** | 4,95% + three-month EURIBOR |
| Monthly instalment | 624.55 EUR |
| Fee for loan processing (1%)*** | 500 EUR |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 650 RSD |
| Owner bill of exchange | 100 RSD |
| Debtor Credit Bureau report | 600 RSD for entrepreneur |
| Owner Credit Bureau report | 246 RSD |
| Tax certification fee | 840 RSD |
| Monthly fee for current account**** | 595 RSD |
| Issuing of real estate folio in the land register | 630 RSD |
| Real estate valuation***** | 11.717,13 RSD |
| Certification of pledge statement | 10.080,00 RSD |
| Mortgage registration | 27.360,00 RSD |
| Property insurance | 4.686,85 RSD |
| EIR annually | 8,05 % |
| Total loan amount ( (principal, interest, costs) | 73.191,77 EUR |
| EIR calculated on | 12.08.2026. |
*The interest rate is variable and consists of the key policy rate - three-month BELIBOR, as the variable part, and Bank’s margin as the fixed part, in accordance with Bank’s Tariffs. In the calculation of EIR, the value of 3M BELIBOR on 12.08.2025 was used (4.68% per year). Interest is adjusted to 3M BELIBOR on a quarterly basis. **On the total approved loan amount ***Included in the EIR calculation for clients who opened the account when applying for the loan ****Real Estate appraisal done every three years Costs borne by the user, which are included in the effective interest rate calculation and are beyond the Bank’s control, depend on fees and charges imposed by tax authorities, the Credit Bureau, and similar.
| Representative example for investment loan in RSD | |
| Total investment amount | 6.250.000 RSD |
| Down payment | 1.250.000 RSD |
| Loan amount | 5.000.000 RSD |
| Repayment period | 120 months |
| NIR annually* | 8% + three-month BELIBOR |
| Monthly instalment | 73.719,74 RSD |
| Fee for loan processing (1%)** | 50.000 RSD |
| Costs associated with loan approval, known at the time of publishing | |
| Debtor bill of exchange | 650 RSD |
| Owner bill of exchange | 100 RSD |
| Debtor Credit Bureau report | 600 RSD for entrepreneur |
| Owner Credit Bureau report | 246 RSD |
| Tax certification fee | 840 RSD |
| Monthly fee for current account*** | 595 RSD |
| Issuing of real estate folio in the land register | 630 RSD |
| Real estate valuation**** | 11.717,13 RSD |
| Certification of pledge statement | 10.080,00 RSD |
| Mortgage registration | 27.360 RSD |
| Property insurance | 4.686,85 RSD |
| EIR annually | 14,52 % |
| Total loan amount ( (principal, interest, costs) | 9.102.011,16 RSD |
| EIR calculated on | 12.08.2025. |
* The interest rate is variable and consists of the key policy rate - three-month BELIBOR, as the variable part, and Bank’s margin as the fixed part, in accordance with Bank’s Tariffs. In the calculation of EIR, the value of 3M BELIBOR on 12.08.2025 was used (4.68% per year). Interest is adjusted to 3M BELIBOR on a quarterly basis. **On the total approved loan amount ***Included in the EIR calculation for clients who opened the account when applying for the loan ****Real Estate appraisal done every three years Costs borne by the user, which are included in the effective interest rate calculation and are beyond the Bank’s control, depend on fees and charges imposed by tax authorities, the Credit Bureau, and similar.
Calculate your instalment on the assumption of the variable part of the interest rate change and/or exchange rate change
Do you have any additional questions?
Write to us using our online contact form, and we will contact you.
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