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Cash Loan for Pensioners
It’s time to fulfil the plans you weren’t able to before retirement. Whether it’s traveling somewhere you’ve always wanted to visit or making a purchase you’ve been planning… Take advantage of the Cash Loan for Pensioners and make your dreams come true. Contact us today or simply visit the nearest AIK Banka branch.
No mandatory pension transfer to AIK Banka
Fixed or variable interest rate
Loan repayment period between 13 and 71 months
Maximum loan amount up to RSD 2,000,000
Includes collective life insurance
What’s important to you when taking a loan?
Da dobijem kredit što pre
Da mi rata bude fiksna
Loan Conditions
Costs and fees to be borne by the borrower and are included in the EIR
Required Documentation
Example of a cash loan with a variable interest rate for pensioners receiving their pension via an account held at AIK Banka
Example of a cash loan with a fixed interest rate for pensioners
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?
Can any additional income be included in total earnings, to calculate creditworthiness based on this?
What’s the minimum amount of my monthly earnings which will make me eligible for the loan?
Am I eligible for the loan when I’m on maternity leave?
Am I eligible for the loan if I have a fixed-term 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?
Can I get a loan from AIK Banka without having to receive my regular earnings/pension through an AIK Banka payroll/pension account?
Can I get a loan if I receive pension from abroad?
What do I get by choosing between the fixed and variable interest rate?
What is the CPI insurance policy?
What is LTV?
Am I allowed to know why my loan application hasn’t been approved?
What is the nominal interest rate (NIR) and what is the effective interest rate (EIR)?
Can I use the refinancing loan to cover debts I have with another bank?
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