Housing loans and loans for reconstruction

A perfect plan for a new apartment!

Advantages

Repayment period up to 360 months and up to 180 months for loans in RSD

Maximum loan amount up to 500,000 EUR

With or without insurance at the National Loan Insurance Corporation (NKOSK)

Variable or combined interest rate loan

Possibility of lending to non-residents

Dinar loans or loans indexed in euro


Review of terms

  • Nominal interest rate of loans indexed in EUR with insurance through NKOSK of 2.95% + 3m Euribor (for loans without participation, with LTV ratios of 0.7), and in case of combined interest rate of 2.40% fixed for the first 18 months, after which 2.95% + 3m Euribor
  • Nominal interest rate of loans indexed in EUR with insurance over 3% + 3m Euribor (for loans with minimum 20% share with LTV ratios of 0.8) and in case of combined interest rate of 2.45% fixed for the first 18 months, after that 3% + 3m Euribor
  • Nominal interest rate of loans indexed in EUR without insurance NKOSK of 3.5% + 3m Euribor (for loans with minimum 20% share, with LTV ratio of 0.8), and in the case of a combined interest rate of 2.95% fixed for the first 18 months, after that 3.5% + 3m Euribor
  • Nominal interest rate of loans indexed in EUR without insurance NKOSK of 3.25% + 3m Euribor (for loans with minimum 30% share with LTV ratios of 0.8 or for loans without share, with LTV ratios 0.7) and in the case of a combined interest rate of 2.70% fixed the first 18 months, followed by 3.25% + 3m Euribor
  • Nominal loan interest rate in Dinars of 5% + 3m Belibor (for loans with minimum 20% share, with LTV ratio of 0.8)
  • Nominal loan interest rate in dinars of 4.75% + 3m Belibor (for loans with a minimum of 30% of share, with LTV ratios of 0.8 or for loans without share, with LTV ratios 0.7)
  • Loan amount is from EUR 5,000 to EUR 500,000 (in RSD counter value)
  • Repayment period up to 360 months, for loans in dinars maximum repayment period of up to 180 months
  • Income load up to 60% with the possibility of increasing the creditworthiness by pooling the assets of the debtors *
  • Provision of housing loans and reconstruction loans through an administrative ban, client's promissory notes, mortgages, life insurance (optional)
  • Housing loan and loan for reconstruction can also be without participation and deposits if the mortgage is 30% more than the loan amount

Note

In accordance with the recommendation of the NBS, we would like to warn you that taking foreign currency-denominated loans is subject to exchange rate risk - in case of strengthening the dinar, the monthly rate and RSD counter value will be lower, while in the event of a weakening of the dinar, the monthly loan installment and RSD counter value will be higher.

The interest rate on loans indexed in foreign currency is changed quarterly, in line with the trend of the three-month EURIBOR (for loans indexed in EUR).
 
* applies to clients who have earnings in excess of RSD 60,000