Type of loan

Dinar housing loan with EUR currency clause for resident foreign citizens of Serbia and resident foreign citizens with income outside the territory of the Republic of Serbia

Purpose of the loan

Purchase of residential premises and refinancing of a housing loan in repayment

Loan amount

Up to 500.000 EUR

Currency loan

EUR

Indexing criteria

In dinars equivalent at the official middle exchange rate of the NBS on the day of disbursement of the loan

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)
– 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