✓ Receive a loan under favourable conditions. Our procedure is easy to complete
✓ Pay off your loan in monthly annuities or as a one-off payment
✓ Complete your application at the nearest branch
✓ Loan amount up to 100% of the deposit
✓ Repayment period up to 71 months
Fizička lica
Računi
Platni račun sa osnovnim uslugama
Start paket račun
Start Plus paket račun
Elite paket račun
Dozvoljeni minus
Krediti
Keš kredit
Keš kredit za penzionere
Stambeni kredit
Krediti za energetsku efikasnost
Keš kredit pokriven depozitom
Platne kartice
Debitne kartice
Kreditne kartice
Štednja
Oročena štednja
Online oročena štednja
Postepena oročena štednja
Modeli štednje u evrima
Modeli štednje u dinarima
Štednja po viđenju
Digitalne usluge
Apple Pay
Google Pay
Online proizvodi
mBanking
eBanking
IPS plaćanja
Zona 24/7
Mali biznis
Računi
Biznis paket račun
Krediti
Kredit za obrtna sredstva
Investicioni kredit
Kredit pokriven depozitom
Revolving kredit
Dokumentarno poslovanje
Eskont menica
Faktoring
Platne kartice
Mastercard Biznis kartica
Dinacard business debitna kartica
Mastercard Biznis kreditna kartica
Štednja
Oročena štednja
Štednja po viđenju
Dobro jutro štednja
Digitalne usluge
mBanking
eBanking
POS terminal
E-commerce
Zona 24/7
Privreda
Računi
Krediti
Kredit za obrtna sredstva
Investicioni kredit
Kredit pokriven depozitom
Revolving kredit
Dokumentarno poslovanje
Eskont menica
Faktoring
Platne kartice
Mastercard Biznis kartica
DinaCard poslovna kartica
Mastercard Biznis kreditna kartica
Štednja
Oročena štednja
Štednja po viđenju
Dobro jutro štednja
Projektno
Digitalne usluge
mBanking
eBanking
POS terminal
E-commerce
Zona 24/7
Platinum iskustvo
Kontakt
Cash Loan covered 100% by a EUR deposit
Cash Loan covered 100% by a dedicated EUR deposit
Have your money
to work for you
Make a deposit
take out a loan at the most affordable rate and your deposit will be returned to you at the end of the repayment period, increased by interest
Quick, easy and flexible
with or without transferring salary receipt to AIB Banka
Choose how you wish
to return the loan, in monthly annuities or by returning the principal amount at the end of the lending period
It isn’t easy to save up again
so, leave your savings with us and fulfil your desires by taking out a loan covered by a dedicated deposit
This may interest you
ONLINE Term Deposit in EUR, RSD and USD
Without having to visit the bank. Easy. In just 10 minutes, ONLINE.
In EUR, USD and RSD, you can agree on various payment periods, with interest pay-out at the end of the Term Deposit period, in advance or every month.
Option to make multiple ONLINE Term Deposits in individual amounts up to RSD 600,000 or the RSD equivalent of Term Deposits made in EUR or USD. AIK ONLINE term deposit - save time and money!
AIK ONLINE Term Deposit - save time and money!
Become a clientLearn moreFrequently 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 assesses your creditworthiness based on both the requested loan amount and the repayment term, taking into account details concerning your employment/status, regular monthly income, a Credit Bureau report on your past use of financial services, and other information collected along with your loan application.
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.
