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Special offer only at AIK Banka: house savings
Have your money work for you
The Housing Savings is a housing loan in combination with a special purpose term deposit, placed for a term which matches the repayment term of approved loan. Interest rate and collateral depend on the amount of the special purpose term deposit, which ranges between 20% and 100%. Establishing the mortgage isn’t necessary if you place a special purpose term deposit which equals 100% of the loan amount. Without NMIC insurance. No loan application handling fee is charged. Interest rate on the special purpose term deposit in EUR is 0.1% annually.
✓ This is a unique product in the local market because it at the same time allows you to keep the value of your savings and buy a new home ✓ This loan is ideal for all of you who are creditworthy and eligible for the housing loan based on your earnings, but you want to buy property without a proper down payment ✓ We have simplified the procedure, and it is available to you at any branch within our network, with no extra fees charged ✓ Keep your EUR deposit and earn interest ✓ Repayment term of up to 240 months

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.

I’m 73. Can I get the loan for pensioners?

Loans for pensioners, with life insurance, may be approved with a repayment term which ends when the borrower turns 75, as requested by the insurance company. Also, pensioners can get loans against a collateral of special purpose deposit.

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.