API Bank housing loans

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API Bank housing loans

With us it’s simpler!
Send application

Foreign currency housing loans in Euro

Non-residents with income abroad

Type of loan

Foreign currency housing loan for non-residents with income outside the territory of the Republic of Serbia

Purpose of the loan

Purchase of residential premises

Loan amount

Up to 500.000 EUR

Currency loan

EUR

Indexing criteria

No

Repayment period

Up to 240 moths

Participation

Minimum 20% of the purchase price

Nominal interest rate (annual, variable) *

5.00% Fixed until 31.12.2025

6M EURIBOR + fixed margin of 2.60% from 01.01.2026.

Interest rate calculation method

Proportional method

Application processing fee

0%

Loan repayment method

Standing order, Direct payment

Monthly fee for maintaining a current account

150,00 RSD

Commission for early loan repayment

In accordance with the Financial Services Consumer Protection Law

Other costs borne by the loan borrower

– Cost of the Basic Report of the Credit Bureau
– Cost of real estate appraisal (three-year)
– Cost of insuring the property against basic risks and water spillage from installations (annually)

– Fee for registration of a non-resident’s loan transaction with NBS
– Cost of bills of exchange, 4 pieces
– Cost of certification of the Pledge Statement
– Cost of registering a mortgage
– Cost of obtaining a real estate title deed

Instrument of securing

– First rank mortgage in favor of the bank
– Bills of exchange
– Mortgager property insurance policy, against basic risks and additional risk of water spillage from the installation vinculated in favor of the Bank


* In accordance with the Financial Services Consumer Protection Law
Adjustment of the nominal interest rate to the level of 6-month EURIBOR is carried out on a six-monthly basis (30.06. and 31.12)

REPRESENTATIVE EXAMPLE

Documents

Please contact us so that we can provide you with a list of documents necessary for the submission of the application.

You can send your application via the form below, and our advisors will respond to you as soon as possible.

On this link you can see a calculator of the impact of the assumed change in the nominal interest rate and/or exchange rate of the dinar.