Loan is granted to the client who meets the following conditions:
Loans are approved for the following purposes:
Minimum loan amount:
RSD 6,000,000.00
Maximum loan amount:
Repayment period:
From 96 to 180 months
Loan is repaid in equal monthly annuities due on the last day of the month.
The Bank shall calculate and charge interest for the amount of the housing loan granted at the interest rate which is:
The change in interest rate as described in paragraph 1, indent 2 of this item shall be carried out two times a year by calculating newly set interest rate on the debt balance of the unmatured principal as at 30th June and 31st December each year. The interest shall be calculated by applying the pro-rata method.
On all matured but not duly settled liabilities on the loan the Bank shall calculate default interest in the amount of the interest rate set by the Law on Default Interest, i.e. agreed (regular) interest rate if it is higher. The default interest shall be calculated by applying the pro-rata method.
For the period starting from the day when the loan was disbursed until the date it was transferred for repayment (last day of calendar month) the Bank shall calculate an intercalary interest at the interest rate that is equal to the agreed regular interest rate. The intercalary interest shall be charged at the moment when the loan was transferred for repayment.
Costs borne by the client are known at the time of publishing and are included in the calculation of the effective interest rate.
** Costs borne by the client, which are included in the calculation of the effective interest rate, and over which the Bank has no influence. Please note that these are approximate (average) amounts over which the Bank has no influence, and which depend on the fees and charges of notaries/courts, the Geodetic Authority, insurance premiums issued by insurance companies, etc.
The obtained loan security instruments can, at the Bank's discretion, be replaced with other security instruments acceptable to the Bank.
By cashless transfer of funds to the account of:
*Costs borne by the client known at the time of publishing are determined based on the recommendation of the Association of Serbian Banks.
**Effective interest rate was calculated on 8 January 2025