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
- Minimum loan amount: 1.200.000 RSD1
- Down payment: from 10% to 20% of the requested loan amount
- Repayment period up to 30 years
- Interest rate is 5,45% + three-month BELIBOR. 1,1% + 3M EURIBOR until 31.12.2024. (in line with NBS Decision on Temporary measures relating to private individuals housing lonas)
- Possibility to combine earnings of debtor and joint debtor
- Life insurance for a loan beneficiary2
- 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.
Representative example
| Representative example of a RSD housing loan with variable interest rate | |
| Property value | 3.750.000 RSD |
| Client down payment | 750.000 RSD |
| Bank loan amount | 3.000.000 RSD |
| Repayment period | 30 years |
| NIR annually until 31.12.2024 | 1.10% + three-month BELIBOR |
| Monthly instalment until 31.12.2024 | 18.490 RSD |
| NIR annually after 31.12.2024 | 5.45% + three-month BELIBOR |
| Monthly instalment after 31.12.2024 | 27.625 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 exchange | 100 RSD |
| Credit Bureau basic report | 246 RSD |
| Certification of pledge statement | 10.080 RSD |
| Property insurance - annually | 40 EUR in RSD equivalent |
| Issuing of real estate folio in the land register | 10 EUR in RSD equivalent |
| Real estate valuation | 100 EUR in RSD equivalent |
| Mortgage registration | 27.360 RSD |
| EIR annually | 11.52% |
| Total amount of loan (principal, interest and costs) | 10.205.078 RSD |
| EIR calculated on | 16.08.2024. |
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 16.08.2024 stood at 5,16%. 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.
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