Variable interest rate: Special offer until Decembar 31st 2023 - NIR 5.2% + 3m Belibor, EIR 11.87% - No loan application fee
Select the loan amount and apply
the online loan up to 600.000 RSD
and realize the loan online, without coming to the bank.
Check the conditions
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Conditions for a fixed interest rate loan
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- Type of loan: retail loan
- Loan currency: RSD
- Criteria for indexing: none
- Loan amount: up to 3.600.000 RSD
- Participation : None
- Repayment period: 12 - 60 months
- NCS (annual, fixed): 9%
- EIR : 10,23 %
- Collateral: without a promissory note and administrative ban for loan amounts up to RSD 600,000; for loans from 600,000 RSD to 1,175,000 RSD, a bill of exchange and administrative ban are required; for loans from 1.175.001 RSD to 2.350.000 administrative ban and mortgage is required in case you do not have real estate owned, for loans over 2.350.001 RSD a bill of exchange, administrative prohibition and mortgage are required
- Credit application processing fee: 1.5%
- Additional costs: Bill of exchange 50 RSD, Credit Bureau Report 246 RSD, Maintenance cost Total account package 595 RSD
- No cost of loan maintaining
- Minimum wage: 53.000 RSD
Payment in accordance with the loan agreement.
All examples are given with the transfer of earnings to the account held with ProCredit Bank and with the use of the Total package account.
The above conditions are of an informative nature.
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Loan Terms and Conditions - variable interest rate
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- Type of loan: Investment Loan for private individuals
- Loan currency: RSD
- Indexing criteria: no criteria
- Loan amount: up to RSD 3,600,000
- Downpayment: none
- Repayment period: 12 - 60 months
- NIR (per annum, variable): 5.2% + 3m Belibor,
- EIR: 11.87 % ,
- Collateral: promissory note and administrative ban are not mandatory for loans up to 600,000 RSD; promissory note and administrative ban are needed for loan amounts from 600,000 RSD up to 1.175.000 RSD ; promissory note, administrative ban and mortgage are needed for loan amounts from 1.175.000 RSD up to 2,350.000 RSD. For loans over 2,350,001 RSD, a promissory note, an administrative ban and a mortgage are required
- Loan application processing fee: 0%
- Minimum salary: 53,000 RSD
- Additional costs: Promissory note 50 RSD, Credit bureau report 246 RSD, Cost of maintenance Total account package 595 RSD
Disbursement in line with the Loan Agreement.
All examples are provided with the transfer of salary to an account held at ProCredit Bank and under our Total Package Account.The stated conditions are of informative character.
For a representative example, the value of 3M Belibor 5.89% was used (as of September 1, 2023).
The bank adjusts the nominal annual interest rate, which is contracted as variable, to the movement of the three-month BELIBOR, depending on the type of loan. Alignment with the three-month BELIBOR is done quarterly, on December 1, March 1, June 1. and 01.09. which precede the months in which the change takes effect, i.e. on the first following working day if it falls on a non-working day and are valid from the first day of the month of January, April, July, or October. 01.06. and 01.09. in the months in which the three-month BELIBOR is determined, in which the newly determined value of the three-month BELIBOR will be applied and will be valid until the next three-month determination in the manner described. On the day of concluding an individual contract with the client, the Bank will apply the value of the three-month BELIBOR - which are valid at the time of concluding the contract, and are determined in the manner described above.
On the day of conclusion of the individual agreement with the client, the bank shall apply the value of the value of the three-month BELIBOR which are valid at the moment the agreement is concluded, and is determined as described above.
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Examples of a loan
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An example of a loan up to 600.000 RSD - variable interest rate
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An example of a loan for 500.000 RSD with salary above 53.000 RSD
- Type of loan: retail loan
- Loan currency: RSD
- Indexing criteria: no criteria
- Loan amount: RSD 500,000
- Downpayment: none
- Repayment period: 60 months
- NIR (per annum, variable): 5.2% + 3M Belibor,
- EIR: 11.88%
- Disbursement fee 0%
- Monthly instalment: 10.933,93 RSD
- the total amount of credit that the client will repay after 60 months: 656.281,85 RSD
- Collateral: up to 600,000 rsd without promissory note, without administrative prohibition
- Minimum salary: 53,000 RSD
- Costs: Total Package Account maintenance fee RSD 595, Credit Bureau Report RSD 246
Disbursement in line with the Loan Agreement.
All examples are provided with the transfer of salary to an account held at ProCredit Bank and under our Total Package Account.For representative examples, the value of 3M Belibor 5.89% (as of September 1, 2023) was used.
The bank adjusts the nominal annual interest rate, which is contracted as variable, to the movement of the three-month BELIBOR, depending on the type of loan. Alignment with the three-month BELIBOR is done quarterly, on December 1, March 1, June 1. and 01.09. which precede the months in which the change takes effect, i.e. on the first following working day if it falls on a non-working day and are valid from the first day of the month of January, April, July, or October. 01.06. and 01.09. in the months in which the three-month BELIBOR is determined, in which the newly determined value of the three-month BELIBOR will be applied and will be valid until the next three-month determination in the manner described. On the day of concluding an individual contract with the client, the Bank will apply the value of the three-month BELIBOR - which are valid at the time of concluding the contract, and are determined in the manner described above.
On the day of conclusion of the individual agreement with the client, the bank shall apply the value of the value of the three-month BELIBOR which are valid at the moment the agreement is concluded, and is determined as described above.
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Representative example for loans over 600.000 RSD
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An example of a loan for 1.000.000 RSD with salary above 53.000 RSD
- Type of loan: retail loan
- Loan currency: RSD
- Indexing criteria: no criteria
- Loan amount: RSD 1,000,000
- Downpayment: none
- Repayment period: 60 months
- NIR (per annum, variable): 5.2% + 3m Belibor
- EIR: 11.87 %
- Disbursement fee 0%
- Monthly instalment: 21.867,86 RSD
- Total loan amount that the client will repay after 60 months: 1.312.417,64 RSD
- Collateral: for loans from RSD 600,000 to RSD 1,175,000, two promissory notes and an administrative ban are required.
- Minimum salary: 53,000 RSD
- Costs: Total Account maintenance fee RSD 595, 2 promissory notes RSD 50/each, Credit Bureau Report RSD 246
Disbursement in line with the Loan Agreement.
All examples are provided with the transfer of salary to an account held at ProCredit Bank and under our Total package accountFor representative examples, the value of 3M Belibor 5.89% (as of September 1, 2023) was used.
The bank adjusts the nominal annual interest rate, which is contracted as variable, to the movement of the three-month BELIBOR, depending on the type of loan. Alignment with the three-month BELIBOR is done quarterly, on December 1, March 1, June 1. and 01.09. which precede the months in which the change takes effect, i.e. on the first following working day if it falls on a non-working day and are valid from the first day of the month of January, April, July, or October. 01.06. and 01.09. in the months in which the three-month BELIBOR is determined, in which the newly determined value of the three-month BELIBOR will be applied and will be valid until the next three-month determination in the manner described. On the day of concluding an individual contract with the client, the Bank will apply the value of the three-month BELIBOR - which are valid at the time of concluding the contract, and are determined in the manner described above.
On the day of conclusion of the individual agreement with the client, the bank shall apply the value of the value of the three-month BELIBOR which are valid at the moment the agreement is concluded, and is determined as described above.
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Example of loans up to 600,000 RSD with a fixed interest rate
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An example loan 500.000 RSD
Type of loan: retail loan
Loan currency: RSD
Criteria for indexing: none
Loan amount: 500.000,00 RSD
Participation : None
Repayment period: 60 months
NCS (annual, fixed): 9%
EIR : 10.23%
Disbursement fee 1.50%
Monthly installment: 10,407.34
Total loan amount to be repaid by the beneficiary after 60 months: 631,900.67 RSD
Security instruments: up to 600,000 rsd without promissory note, without administrative prohibitionAdditional costs: Total account maintenance cost 595 RSD, 2 bills of exchange at 50 RSD, Credit Bureau Report 246 RSD
Minimum wage: 53.000,00 RSD
Payment in accordance with the loan agreement.
Examples are given with the transfer of earnings to the account kept with ProCredit Bank and with the use of the Total package account.
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Representative example loans over 600,000 RSD with a fixed interest rate
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Example of a loan of 1,000,000 RSD
Type of loan: retail loan
Loan currency: RSD
Criteria for indexing: none
Loan amount: 1.000.000,00 RSD
Participation : None
Repayment period: 60 months
NCS (annual, fixed): 9%
EIR : 10.24%
Disbursement fee 1.50%
Monthly installment: 20.814,69 RSD
Total loan amount to be repaid by the beneficiary after 60 months: 1,263,981.15 RSD
Collateral: for loans from 600,000 RSD to 1,175,000 RSD, 2 bills of exchange and administrative prohibition are requiredAdditional costs: Total account maintenance cost 595 RSD, 2 bills of exchange at 50 RSD, Credit Bureau Report 246 RSD
Minimum wage: 53.000 RSD
Payment in accordance with the loan agreement.Examples are given with the transfer of earnings to the account kept with ProCredit Bank and with the use of the Total package account.
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Purpose of the loan
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- Renovating, remodelling and adaptation of your home (flat/house)
- Purchasing home appliances
- Purchasing furniture
- Purchasing land to build a home on
- Increasing the energy efficiency of your home - insulating your home, fitting new doors and windows, installing a heating and cooling system, solar system, etc.
- Purchasing a car
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Necessary documentation for the loan
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For an investment loan of up to RSD 600,000
- Online application
- Approval for the Credit Bureau
- Bank account statement for the previous 6 months
For an investment loan over RSD 600,000
- Online application
- Approval for the Credit Bureau
- Bank account statement for the previous 6 months
- Calculation lists - previous 3 incomes (if any are missing, submit the Certificate of the amount of income from the employer)
- Administrative ban
NEW - Faster and Easier Loan Refinancing
Refinance your liabilities with another bank faster and easier - without having to visit the bank.
The National Bank of Serbia has issued Instructions allowing you to switch banks easily and to refinance your loan liabilities with a bank that offers the terms which suit you best. We will assume all communication with the bank whose loan you wish to refinance, right up until loan closure.