NIR 5.2% + 3m Belibor, EIR 11.25% - 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 (550 RSD special action until 31.08.2023. god.)
- No cost of maintaining a credit game
- 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
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Special offer until June 31st 2023
- 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: 11.25 % ,
- 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 (550 RSD special promotion until 31.08.2023)
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 3 M Belibor 5.35% was used (as of March1, 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
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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: 11.25%
- Disbursement fee 0%
- Monthly instalment: 10,801.39 RSD
- the total amount of credit that the client will repay after 60 months: 648,083.40 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 (RSD 550 Special action until August 31st 2023), 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 3 M Belibor 5.35% (as of March 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: 11.25 %
- Disbursement fee 0%
- Monthly instalment: 21,602.78 RSD
- Total loan amount that the client will repay after 60 months: 1,296,266.81 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 (RSD 550 Special action until August 31st 2023), 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 3 M Belibor 5.35% (as of March 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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Reprezentativni primer kredita do 600.000 RSD sa fiksnom kamatnom stopom
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Primer kredita 500.000 RSD
Vrsta kredita: kredit za stanovništvo
- Valuta kredita: RSD
- Kriterijum za indeksiranje: nema
- Iznos kredita: 500.000,00 RSD
- Učešće: nema
- Period otplate: 60 meseci
- NKS (godišnja, fiksna): 9%
- EKS: 10,23%
- Naknada za obradu kredita 1,50%
- Mesečna rata: 10.407,34
- Ukupan iznos kredita koji će korisnik vratiti nakon 60 meseci: 631.900,67 RSD
- Instrumenti obezbeđenja: do 600,000 rsd bez menice, bez administrativne zabrane
- Dodatni troškovi: Trošak održavanja Total računa 595 RSD (550 RSD specijalna akcija do 31.08.2023.), 2 menice po 50 RSD, Izveštaj Kreditnog biroa 246 RSD
- Minimalna zarada: 53.000,00 RSD
- Isplata u skladu sa ugovorom o kreditu.
Primeri su dati sa transferom zarade na račun koji se vodi kod ProCredit banke i sa korišćenjem Total paket računa.
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Reprezentativni primer kredite preko 600.000 RSD sa fiksnom kamatnom stopom
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Primer kredita od 1.000.000 RSD
- Vrsta kredita: kredit za stanovništvo
- Valuta kredita: RSD
- Kriterijum za indeksiranje: nema
- Iznos kredita: 1.000.000,00 RSD
- Učešće: nema
- Period otplate: 60 meseci
- NKS (godišnja, fiksna): 9%
- EKS: 10,24%
- Naknada za obradu kredita 1,50%
- Mesečna rata: 20.814,69 RSD
- Ukupan iznos kredita koji će korisnik vratiti nakon 60 meseci: 1.263.981,15 RSD
- Instrumenti obezbeđenja: za kredite od 600.000 RSD do 1.175.000 RSD su potrebne 2 menice i administrativna zabrana
- Dodatni troškovi: Trošak održavanja Total računa 595 RSD (550 RSD specijalna akcija do 31.08.2023.), 2 menice po 50 RSD, Izveštaj Kreditnog biroa 246 RSD
- Minimalna zarada: 53.000 RSD
Isplata u skladu sa ugovorom o kreditu.
Primeri su dati sa transferom zarade na račun koji se vodi kod ProCredit banke i sa korišćenjem Total paket računa.
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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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Neophodna dokumentacija za kredit
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Za investicioni kredit do 600 000,00 rsd
- Saglasnost za Kreditni biro
- Izvod sa računa u banci za prethodnih 6 meseci
Za iznose preko 600.000, 00 RSD
- Saglasnost za Kreditni biro
- Izvod sa računa u banci za prethodnih 6 meseci
- Obračunske liste - prethodna 3 primanja (ako neka nedostaje dostaviti Potvrdu o visini primanja od poslodavca)
- Administrativna zabrana
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.