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Housing loans
Wish to purchase a new flat? We’re here.
• 10% minimum downpayment for those looking to purchase their first home in both existing and buildings still under construction
• Property valuation and Credit Bureau report fees are covered by the bank at the moment the application is submitted*
• Variable and/or combined interest rates
• Maximum repayment period: up to 30 years
• Option to purchase a flat with 0% construction completion (on locations financed by AIK Banka)
• Maximum loan amount: up to EUR 500,000
• Option to combine incomes with a co-borrower (parent or spouse)
* Offer valid until 31.12.2024
Send an applicationHousing Loan Calculator
Da dobijem kredit što pre
Da mi rata bude fiksna
Interested in a housing loan for a lower-completion property?
Purchasing a flat in one of AIK Banka's project-financed buildings means that you:
• Can take out a housing loan even if the property is at 0% completion
• Collect all the required documentation in one place, at the bank, with the assistance of our advisors.
• Have project financing available at various locations, viewable in the section below.
Send an application
Example of a housing loan with a combined interest rate
Example of a housing loan with a variable interest rate
Required documentation
Housing loan requiring a 10% downpayment
Cash loan from AIK Banka
Found the house or flat of your dreams but lack the funds needed for a downpayment? Take a look at the cash loans we have on offer
Learn moreNBS Decision on Temporary Measures for Housing Loans
In accordance with the regulations of the National Bank of Serbia, AIK Banka applies the Decision on Temporary Measures for Banks Relating to Natural Persons’ Housing Loans
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