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What’s important to you if you’re getting a loan?

Da dobijete kredit što pre
Da mi rata bude fiksna
Želim kredit u sledećem iznosu:
100.000RSD
Zaokruži na (RSD):
10000
I da otplatim u roku od:
12MESECI
Zaokruži na (Mesec):
6
ONLINE cash loan in RSD

you don’t have to come to the Bank

Money in your account

the same day

No additional documentation is required

for clients with a payroll account at AIK Banka

Fixed instalment amount

0% fees

With or without receiving

monthly earnings at AIK Banka

What you may find interesting
Credit card
Provide additional funds for your great and small wishes, for planned expenses, as well as the ones that surprise you. Choose your own method of repaying the spent amount: In equal monthly instalments (3, 6, 9 or 12 instalments, it’s up to you), Revolving, where you can re-use the portion you pay minus interest, Interest-free if you settle the overall spending by the end of the current month.
I’m interestedLearn more

Frequently Asked Questions

What is creditworthiness?

Creditworthiness is an assessment of eligibility for loan and your ability to repay principal plus interest within the repayment term defined by the loan agreement.

Am I creditworthy?

The Bank determines your creditworthiness based on the amount and repayment term you’ve applied for and based on your employment information/status, regular monthly earnings, Credit

Can any additional income be included in total earnings, to calculate creditworthiness based on this?

Additional income is included in the calculation of creditworthiness on condition that such income can be properly documented as being regular and also that the same income will be available during loan repayment.

What’s the minimum amount of my monthly earnings which will make me eligible for the loan?

Minimum monthly earnings which make you eligible for the loan are RSD 26,100.

Am I eligible for the loan when I’m on maternity leave?

If you receive your regular monthly earnings in the current account you have with AIK Banka (including maternity leave allowance), the loan may be approved.

Am I eligible for the loan if I have a fixed-term employment contract?

If you have a fixed-term employment contract, your eligibility is dependent upon the expiry of your employment contract.

If I’m not creditworthy for required loan type and amount, but I have a co-borrower, is it possible for me to get a loan?

In case of housing loans, the Bank allows the consolidation of monthly earnings of the borrower and the co-borrower.

Can I get a loan from AIK Banka without having to receive my regular earnings/pension through an AIK Banka payroll/pension account?

You don’t have to keep a payroll/pension account with AIK Bank and you’re still eligible for the cash loan and loans approved against a 100% special purpose term deposit. Conditions for the approval of the loan are more favourable for borrowers with payroll/pension accounts at AIK Banka.

Can I get a loan if I receive pension from abroad?

Loans for pensioners are also approved based on pensions transferred to AIK Banka pension accounts from abroad.

I’m 73. Can I get the loan for pensioners?

Loans for pensioners, with life insurance, may be approved with a repayment term which ends when the borrower turns 75, as requested by the insurance company. Also, pensioners can get loans against a collateral of special purpose deposit.

What do I get by choosing between the fixed and variable interest rate?

The fixed interest rate means that your monthly loan instalment will be the same throughout the repayment period. The floating (variable) interest rate varies based on changes in the variable element of the nominal interest rate – BELIBOR for RSD loans and EURIBOR for EUR indexed loans.

What is the CPI insurance policy?

Credit Protection Insurance (CPI) is insurance in case you’re unable to repay your loan due to unemployment (as a result of redundancy) or accidental death. When an insured situation occurs, the insurance company will repay the Bank the borrower’s debt on his/her behalf, in accordance with terms of the insurance policy. For more information, consult with your bancassurance agent.

What is LTV?

LTV is a ratio between bank loan and estimated market value of property to be pledged, multiplied by 100.

Am I allowed to know why my loan application hasn’t been approved?

If the reason why your loan application has been rejected is the Credit Bureau report, the Bank must inform you about the reason for rejection. In all other cases, the Bank is under no obligation to provide reasons why your loan application was rejected.

What is the nominal interest rate (NIR) and what is the effective interest rate (EIR)?

The nominal interest rate is the rate at which loan interest is accrued, whereas the effective interest rate includes all costs to be paid in addition to interest.

Can I use the refinancing loan to cover debts I have with another bank?

Yes, you can. By getting the refinancing loan, all your debts will be included, whatever bank you may have them with.