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
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
Krediti sa 50% bespovratnih sredstava
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
Stepenasta štednja
Štednja po viđenju
Dobro jutro štednja
Digitalne usluge
mBanking
eBanking
POS terminal
E-commerce
Zona 24/7
Privreda
Računi
Krediti
Krediti sa 50% bespovratnih sredstava
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
Stepenasta štednja
Štednja po viđenju
Dobro jutro štednja
Projektno
Digitalne usluge
mBanking
eBanking
POS terminal
E-commerce
Zona 24/7
Platinum iskustvo
Kontakt

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
Želim kredit u sledećem iznosu:
100.000RSD
Zaokruži na (RSD):
10000
I da otplatim u roku od:
12MESECI
Zaokruži na (Mesec):
6
Loan Conditions
✓ Loan amount: up to RSD 2,000,000 ✓ Repayment period: 13 – 71 months ✓ Nominal fixed interest rate (NIR (F)) on an annual basis: 15.75%* ✓ Nominal variable interest rate (NIR (V)) on an annual basis: 10.00% + 3-month Belibor** *This offer is valid for clients with/without pension payments received via a current account held at AIK Banka. **This offer is valid for clients who receive their pensions via a current account held at AIK Banka. Transferring your pension is not mandatory, but if you choose to have your pension deposited into an AIK Banka account, you are entitled to receive your pension up to 7 days earlier than the official payment date from the Pension Fund (PIO).
Costs and fees to be borne by the borrower and are included in the EIR

- Bill of exchange: RSD 50 - Credit Bureau report: RSD 246 - One-time loan processing fee: 1% of the loan amount - Monthly maintenance fee for the Start Account package: RSD 250 (for clients receiving their pension into an account held at AIK Banka) - Monthly loan administration fee: 250 RSD (for clients who do not receive their pension into an account held at AIK Banka)

Required Documentation

✓ ID card or passport for verification ✓ Pension slips for the last 3 months if you do not receive your pension through an account held at AIK Banka ✓ An authenticated Attachment of Salary (for pensioners who do not receive their pension through an account held at AIK Banka)

Example of a cash loan with a variable interest rate for pensioners receiving their pension via an account held at AIK Banka
Loan typeCash and Refinancing Loan for Pensioners (with pension transfer)
Loan amountRSD 500.000,00
Nominal Interest Rate (NIR) per annum15,69% (10%+3M Belibor)
Effective Interest Rate (EIR) per annum* 18,41%
Repayment period71 months
Monthly instalmentRSD 10.852,00
Additional costs/fees borne by the borrowerBill of exchange – RSD 50 Credit Bureau report – RSD 246 Application processing fee – 1.00% of the loan amount Monthly account maintenance fee as per the selected package
Total amount payable (principal, interest, and costs)RSD 795.997,00
*EIR calculated as at 29 March 2024 The value of the 3M Belibor as of 29 March 2024 is 5.69%. The interest cost includes both regular and interim interest. The interim interest is due on 8 April 2024, equal to the nominal annual interest rate, and is charged for the period from loan disbursement to the start of the first loan instalment.
Example of a cash loan with a fixed interest rate for pensioners

Loan typeCash and refinancing loan for pensioners
Loan amountRSD 500.000,00
Nominal Interest Rate (NIR) per annum15,75% (fixed)
Effective Interest Rate (EIR) per annum* 18,61%
Repayment period71 months
Monthly instalmentRSD 10.869,00
Additional costs/fees borne by the borrowerBill of exchange – RSD 50 Credit Bureau report – RSD 246 Application processing fee – 1.00% of the loan amount Monthly account maintenance fee as per the selected package (for clients receiving their pension via an account held at AIK Banka) Monthly loan administration fee: RSD 250 (for clients not receiving their pension via an account held at AIK Banka)
Total Amount Payable (principal, interest, and costs)RSD 796.702,00
*EIR calculated as at 29 March 2024 The interest cost includes both regular and interim interest. The interim interest is due on 8 April 2024, equal to the nominal annual interest rate, and is charged for the period from loan disbursement to the start of the first loan instalment.

Submit a Request

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.

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.