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Including Energy Efficiency Loans

We provide additional financial support with subsidies from the Ministry of Mining and Energy:

• Loan amount from RSD 50,000 to 5,000,000 • Fixed Interest Rate per annum of 8.90% (EIR from 9.40%) • Repayment period between 13 and 71 months • No loan application processing fee • No down payment or deposit required • Mandatory submission of a pro forma invoice
Submit a Loan Application

Enhance your quality of life with AIK Banka’s energy efficiency loan

Achieve long-term energy savings of between 25% and 30% without straining your budget. AIK Banka's energy efficiency loans enable you to improve your home and contribute to environmental preservation by investing in energy-efficient solutions. In collaboration with the Ministry of Mining and Energy, AIK Banka has provided loans for enhancing energy efficiency. Whether you plan to replace windows, insulation, redo façades, or your roof, inefficient boilers, or install solar panels and collectors, take advantage of state grants of up to 65% of the project value, while the remaining amount can be financed through AIK Banka’s energy efficiency loan.
Submit a Loan Application

Important Information

When applying for a grant, please bear in mind the conditions set by the Ministry of Mining and Energy. The deadline for submitting grant applications by the general public is 31 December 2024. Due to high demand, applications may be declined even earlier if funds are depleted before the deadline. Response times for grant approval may vary depending on the capacity of the local government and the number of applications. The application processing involves reviewing documentation and field inspections. For more detailed information concerning the status of your application, contact the relevant local government committee. Disbursement of funds is planned once the end user (private individual) pays the entire amount to the contractor and upon completion of the energy upgrades. According to the contract, these works must be completed no later than six months from the date the contract was concluded. For more information on the detailed purpose and application process for grants, please visit the Ministry’s official website.

Example of a Consumer Loan for Energy Efficiency
Example of a Consumer Loan for Energy Efficiency with a fixed interest rate for clients receiving their salary via an account held at AIK Banka:
Loan amount in RSD500.000,00
Nominal Interest Rate, per annum (NIR, fixed)8,9%
Effective Interest Rate (EIR) per annum*10,41%
Repayment period71 months
Monthly instalment RSD 9.094,00
Application processing feeFree of charge
Additional costs/fees borne by the borrowerBill of exchange – RSD 50 Credit Bureau report – RSD 246 Monthly account maintenance fee as per the selected package
Total Amount Payable (principal, interest, and costs)RSD 663.623,00
*EIR calculated as at 29 August 2024 The EIR calculation includes the following costs: bill of exchange fee (RSD 50), Credit Bureau report (RSD 246), and the monthly maintenance fee for the Start package account (RSD 250). The interest cost represents the total sum of regular and interim interest. The interim interest is due on 1 September 2023, equal to the nominal interest rate per annum, and is charged for the period from loan disbursement to the start of the first loan instalment.
Loan Conditions

• Loan amount: RSD 50,000 – 5,000,000 • Repayment period: 13 – 71 months • Nominal Interest Rate: 8.90% (annual, fixed) • No down payment or deposit required • No loan application processing fee • Open a Current Account package with AIK Banka • Employment must be on a permanent basis • Must be a resident of the Republic of Serbia • Purpose of the loan - to purchase products that contribute to energy efficiency • Mandatory submission of a pro forma invoice

Purpose of the Loan

• Replacement of exterior windows and doors • Façade insulation • Roof insulation • Installation of gas boilers • Installation of pellet boilers • Installation of heat pumps (air-to-air, air-to-water, water-to-water, ground-water) • Replacement and installation of new fittings (doors/windows) • Installation of solar panels for electricity • Installation of solar collectors for hot water preparation • Preparation of technical documentation (AG project, mechanical engineering project, energy efficiency report, technical description and list of works, energy passport)

How to Apply for an Energy Efficiency Loan?

• Municipalities and the Ministry's website will feature offers from partners from whom energy-efficient products may be purchased • Private individuals (residents) submit a request to the Municipality for funds, including the required documentation (as highlighted by the municipalities) • After the municipality approves the request for funds (the municipality subsidises up to 65% of the costs), the private individual then contacts the bank to finance the remaining amount • Private individuals that have received confirmation from the municipality that their request for funds has been approved and a pro forma invoice has been provided then visit the bank to submit their loan application • Once the loan has been approved, the funds are transferred to the private individual’s account to the account of the pro forma issuer