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Investment loans for private individuals

Choose a loan with fixed or variable interest rate.

Online loans up to 600.000 RSD, without having to visit the bank.

Choose a dinar loan with a fixed or variable interest rate

Fixed interest rate: 9% NIR, 9,53% EIR

Variable interest rate: Special offer until February 29th 2024 - NIR 5.2% + 3m Belibor, EIR 11.65% - No loan application fee

Select the loan amount and apply

Apply for

the online loan up to 600.000 RSD

and realize the loan online, without coming to the bank.

Apply for

the loan over 600.000 RSD

and realize the loan by coming to the bank.

Check the conditions

Conditions for a fixed interest rate loan

  • Type of loan: retail loan 
  • Loan currency: RSD 
  • Criteria for indexing: none 
  • Loan amount: up to 3.500.000 RSD  
  • Participation : None 
  • Repayment period: 12 - 60 months 
  • NCS (annual, fixed): 9%
  • EIR : 9,53 % 
  • Collateral: 
  • or loan amounts up to RSD 600,000 no promissory notes and an administrative ban are required
  • for loans from RSD 600,000 to RSD 3.500.000 promissory notes and an administrative ban are required;
  • for loans from RSD 3.500.000 to RSD 5.850.000 promissory notes, an administrative prohibition and morgage are required 
  • Credit application processing fee: 0,00%
  • Additional costs: Bill of exchange 50 RSD, Credit Bureau Report 246 RSD, Maintenance cost Total account package 595 RSD 
  • No cost of loan maintaining 


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.

*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment

Loan Terms and Conditions - variable interest rate

  • 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 - 71 months 
  • NIR (per annum, variable): 5.2% + 3m Belibor, 
  • EIR: 11.65 % ,
  • Collateral:
  • or loan amounts up to RSD 600,000 no promissory notes and an administrative ban are required
  • for loans from RSD 600,000 to RSD 3.500.000 promissory notes and an administrative ban are required;
  • for loans from RSD 3.500.000 to RSD 5.850.000 promissory notes, an administrative prohibition and morgage are required 
  • Loan application processing fee: 0% 
  • Minimum salary: 36,000 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 5.71% was used (as of January 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.

*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment

Examples of a loan


 

 

Example of loans up to 600,000 RSD with a fixed interest rate

An example loan 500.000 RSD

Type of loan: retail loan 

  • Loan currency: RSD
  • Criteria for indexing: none 
  • Loan amount: 200.000,00 RSD 
  • Participation : None 
  • Repayment period: 12 months 
  • NCS (annual, fixed): 9% 
  • EIR : 9,35%
  • Disbursement fee 0.00%
  • Monthly installment: 17.502,39 RSD
  • Total loan amount to be repaid by the beneficiary after 60 months: 210.028,87 RSD
  • Collateral: 
  • for loan amounts up to RSD 600,000 no promissory notes and an administrative ban are required
  • for loans from RSD 600,000 to RSD 3.500.000 promissory notes and an administrative ban are required;
  • for loans from RSD 3.500.000 to RSD 5.850.000 promissory notes, an administrative prohibition and morgage are required 

Additional costs: Total account maintenance cost 595 RSD, 2 bills of exchange at 50 RSD, Credit Bureau Report 246 RSD
Minimum wage: 36.000,00 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.

*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment

Representative example loans over 600,000 RSD with a fixed interest rate

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 : 9,53%
  • Disbursement fee  0,00%
  • Monthly installment: 20.820,78 RSD
  • Total loan amount to be repaid by the beneficiary after 60 months:  1.249.346,76 RSD
  • Collateral: 
  • for loan amounts up to RSD 600,000 no promissory notes and an administrative ban are required
  • for loans from RSD 600,000 to RSD 3.500.000 promissory notes and an administrative ban are required;
  • for loans from RSD 3.500.000 to RSD 5.850.000 promissory notes, an administrative prohibition and morgage are required 

Additional costs: Total account maintenance cost 595 RSD, 2 bills of exchange at 50 RSD, Credit Bureau Report 246 RSD
Minimum wage: 36.000 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.

*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment

 

An example of a loan up to 600.000 RSD - variable interest rate

 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 500,000.00
  • Downpayment: none 
  • Repayment period: 71 month 
  • NIR (per annum, variable): 5.2% + 3M Belibor, 
  • EIR: 12.95%
  • Disbursement fee 0%
  • Monthly instalment: 9.628,81 RSD
  • The total amount of credit that the client will repay after 71 months: 726.136,59 RSD
  • Collateral: 
  • for loan amounts up to RSD 600,000 no promissory notes and an administrative ban are required
  • for loans from RSD 600,000 to RSD 3.500.000 promissory notes and an administrative ban are required;
  • for loans from RSD 3.500.000 to RSD 5.850.000 promissory notes, an administrative prohibition and morgage are required 
  • Minimum salary: 36,000 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 5.71% (as of January 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.

*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment

Representative example for loans over 600.000 RSD - variable interest rate

 

  • Type of loan: retail loan 
  • Loan currency:  RSD 
  • Indexing criteria: no criteria 
  • Loan amount: RSD 1,000,000
  • Downpayment: none 
  • Repayment period: 71 month 
  • NIR (per annum, variable): 5.20% + 3m Belibor
  • EIR: 12.95 %
  • Disbursement fee 0%
  • Monthly instalment: 19.257,62 RSD
  • Total loan amount that the client will repay after 71 month:  1.409.882,16 RSD
  • Collateral: 
  • for loan amounts up to RSD 600,000 no promissory notes and an administrative ban are required
  • for loans from RSD 600,000 to RSD 3.500.000 promissory notes and an administrative ban are required;
  • for loans from RSD 3.500.000 to RSD 5.850.000 promissory notes, an administrative prohibition and morgage are required 
  • Minimum salary: 36,000 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 account

For representative examples, the value of 3M Belibor 5.71% (as of January 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.

*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment

Purpose of the loan

  • 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

Necessary documentation for the loan

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

*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment

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.  
 

Find out more