Housing loans
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Housing Loan Calculator
| Type of loan | Housing loan indexed in EUR – combined interest rate |
| Loan amount in EUR | 80.000 |
| Repayment period (in months) | 360 months |
| Nominal Interest Rate (NIR), per annum, combined | 4,99% (fixed, per annum for the first 3 years) 6,43% (2,75% + 6m Euribor, after 3 years) |
| Effective Interest Rate (EIR as at 22.08.2024)* | 6,54% |
| Monthly annuity | EUR 428.97, for the first 3 years EUR 496.58, after 3 years |
| Costs payable by the borrower** | Application processing fee: 0.50% of the loan amount Two promissory notes: RSD 100 Credit Bureau report: RSD 246 – covered by the bank Package account maintenance fee (monthly) RSD 250 Issue of the real estate folio EUR 10 Property valuation EUR 100 – covered by the bank at the moment the application is submitted Property insurance (per annum) EUR 40 Notarisation of the pledge statement RSD 10,080 Mortgage registration fee RSD 65,140 |
| Total amount payable by the borrower in EUR | 180.613 |
*In calculating the EIR and the monthly annuity, the 6-month Euribor rate as at 01.07.2024 was used, amounting to 3.68%. The interest expense includes both regular and interim interest. The interim interest is due on 01.09.2024, is equal to the nominal interest rate per annum, and is charged for the period from loan disbursement to the start of first instalment calculation. ** Charges denominated in EUR are calculated in the RSD equivalent at the middle exchange rate of the National Bank of Serbia. *** The bank disburses the funds of housing loans at the middle exchange rate of the National Bank of Serbia on the transfer date. Loan repayment obligations are settled by applying the middle exchange rate of the National Bank of Serbia on the payment date.
| Type of loan | Housing loan indexed in the EUR – variable interest rate |
| Loan currency | RSD loan indexed in the EUR |
| Loan amount in EUR | 80.000 |
| Repayment period (in months) | 360 months |
| Nominal Interest Rate (NIR), per annum, combined | 4,45% (1,10% + 6m Euribor, applicable until 31.12.2024) 6,30% (2,95% + 6m Euribor, starting from 01.01.2025) |
| Effective Interest Rate (EKS na dan 04.09.2024.)* | 6,77% |
| Monthly annuity | EUR 402.98 until 31.12.2024 EUR 494.60 from 01.01.2025 |
| Costs payable by the borrower** | Application processing fee: 0.50% of the loan amount Two promissory notes: RSD 100 Credit Bureau report: RSD 246 – covered by the bank Package account maintenance fee (monthly) RSD 250 Issue of the real estate folio EUR 10 Property valuation EUR 100 – covered by the bank at the moment the application is submitted Property insurance (per annum) EUR 40 Notarisation of the pledge statement RSD 10,080 Mortgage registration fee RSD 65,140 |
| Total amount payable by the borrower in EUR | 182.062 |
*In calculating the EIR and the monthly annuity, the 6-month Euribor rate as at 02.09.2024 was used, amounting to 3.35%. The interest expense includes both regular and interim interest. The interim interest is due on 01.09.2024, is equal to the nominal interest rate per annum, and is charged for the period from loan disbursement to the start of first instalment calculation. ** Charges denominated in EUR are calculated in the RSD equivalent at the middle exchange rate of the National Bank of Serbia. *** The bank disburses the funds of housing loans at the middle exchange rate of the National Bank of Serbia on the transfer date. Loan repayment obligations are settled by applying the middle exchange rate of the National Bank of Serbia on the payment date.
• Proof of employment and salary confirmation, with an authenticated Attachment of Salary – download the form • Payslips authenticated by the Employer for the last 3 months • Authenticated transaction history for the current account for the last 6 months • Real Estate Sale/Purchase Pre-Agreement or Agreement • Proof of ownership of the property to be used as collateral to the mortgage – Excerpt issued by the Real Estate Registry • For properties under construction, a final building permit, confirmation of work commencement, and location requirements must be provided • Additional documentation that the bank will independently collect with your consent
In addition to the standard documentation required to apply for a housing loan, clients applying for a housing loan requiring a 10% downpayment must also provide documentation proving that this is their first time purchasing property. The required documents are as follows: • A residency certificate effective from 01.07.2006. This certificate is issued by the Ministry of Internal Affairs (MUP) of the client's place of residence. • A certificate issued by the relevant tax authority (Tax Administration) stating that the buyer has not been a property tax payer for property owned by natural persons, effective from 01.07.2006. If the buyer has been a registered resident in various cities/municipalities, this certificate must be obtained from all relevant municipalities. • an IKPS PDV form notarised by a Notary Public (IKPS stands for - Information on VAT taxpayer registration) The client will require the aforementioned documents to reclaim VAT from the Tax Administration. Therefore, it is sufficient for the bank to receive notarised photocopies of these documents.
NBS 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
