Housing loans with variable interest rate
up to 300.000 EUR
for other cases, minimum is 20% of the amount of the purchase price of the real estate/project and construction estimate.
For purchase, construction, adaptation and refinancing
Housing loan in RSD indexed in EUR with EIR from 4,84%
Refinance the loan from another bank quickly and easily – without going to their branch office. We communicate with the bank whose loan you want to refinance, until the loan is closed.
| HOUSING LOAN UNINSURED BY NKOSK WITH THE FOREIGN EXCHANGE CLAUSE | |
|---|---|
| TYPE OF CLIENT | BANK CLIENTS RECEIVING THE SALARY / PENSION THROUGH THE BANK AND BANK CLIENTS IN THE PROCESS OF TRANSFERRING THE PAYMENT OF THE SALARY / PENSION TO THE BANK |
| LOAN AMOUNT | from EUR 35.000 to EUR 300.000 from EUR 35.000 to EUR 100.000 for the purchase of the first residential property (for downpayment of 10%) |
| CONTRACTED LOAN CURRENCY | Dinar loan indexed in EUR |
| INDEXATION CRITERIA | EUR – middle exchange rate of the NBS |
| REPAYMENT PERIOD | from 96 to 360 months from 96 to 240 months for the purchase of the first residential property (for downpayment of 10%) |
| NOMINAL EXCHANGE RATE AT AN ANNUAL LEVEL | From 2,30% to 2,55% + 6M EURIBOR, variable Margin rate of 2,30% to 2,55% is fixed The value of the 6M EURIBOR as of 01.03. / 01.09. is applied, which is used for the current six-month period. Until 31.12.2025., the Bank applies a nominal interest rate that cannot be higher than 5%. If the nominal interest rate is lower than 5% on the day of loan realization, as well as on the agreed adjustment day, the Bank will apply that lower interest rate. |
| INTEREST RATE ADJUSTMENT | The interest rate adjustment is carried out semiannually on 31.03. (the value of the 6M EURIBOR as of 01.03. is applied) and on 30.09. (the value of the 6M EURIBOR as of 01.09. is applied). |
| BANK FEE FOR A LOAN PROCESSING | Fee free |
| LOAN COLLATERAL | - Two blank promissory notes of the Loan Beneficiary - First-rank mortgage or second-rank mortgage when the first-rank mortgage has been established as security in favor of NLB Komercijalna Banka. - Property insurance assigned in favor of NLB Komercijalna Banka with insurance companies. |
| LOAN REPAYMENT | It is carried out monthly in the dinar equivalent of EUR at the NBS middle exchange rate on the day of the monthly installment payment. |
| DOWNPAYMENT | A minimum of 20% of the purchase price of the real estate, or of the preliminary work estimates and cost projections. A minimum of 10% of the purchase price of the real estate for the purchase of the first residential property. |
| EARLY REPAYMENT | In the amount of damage suffered, and at most up to 1% of the amount of the early repaid principal, if the period between the early repayment and the final maturity of the loan is longer than one year, i.e. 0.5% if the stated period is shorter, with the condition that the amount of early repayment in a period of 12 months is greater than RSD 1,200,000.00. The fee cannot be higher than the amount of interest that the user would pay during the period between early repayment and the deadline for fulfilling the obligation from the loan agreement. Damage means the difference between the interest rate agreed with the User and the market interest rate at which the Bank can place the amount obtained by early repayment at the time of this repayment, including administrative costs. The market interest rate means the average weighted interest rate for that type of loan, which is published by the National Bank of Serbia on its website. |
In all cases where the loan security is a mortgage on real estate, the approval of the loan incurs costs related to the property valuation, insurance, obtaining certificates, confirmations, permits, declarations, and decisions from the relevant authorities, as well as the costs of constituting the mortgage, and others. These costs are included in the representative example.
The conditions for granting this type of housing loan are for informational purposes. For the possibility of submitting a request and more detailed information regarding this loan product, we invite you to contact the nearest Bank branch.
| DINAR HOUSING LOANS INSURED BY NKOSK | |
|---|---|
| TYPE OF CLIENT | BANK CLIENTS RECEIVING THE SALARY / PENSION THROUGH THE BANK AND BANK CLIENTS IN THE PROCESS OF TRANSFERRING THE PAYMENT OF THE SALARY / PENSION TO THE BANK |
| LOAN AMOUNT | from EUR 35.000 to EUR 300.000 in the dinar equivalent |
| CONTRACTED LOAN CURRENCY | Dinar loan |
| REPAYMENT PERIOD | from 96 to 360 months |
| NOMINAL INTEREST RATE AT AN ANNUAL LEVEL, VARIABLE | 6M BELIBOR + 1,95% Margin rate of 1,95% is fixed The value of the 6M BELIBOR as of 01.03. / 01.09. is applied for the current six-month period. Until 31.12.2025., the Bank applies a nominal interest rate that cannot be higher than 5%. If the nominal interest rate is lower than 5% on the day of loan realization, as well as on the agreed adjustment day, the Bank will apply that lower interest rate. |
| INTEREST RATE ADJUSTMENT | The interest rate adjustment is carried out semiannually on 31.03. (6M BELIBOR as of 01.03. is applied) and on 30.09 (6M BELIBOR as of 01.09. is applied). |
| BANK FEE FOR A LOAN PROCESSING | Fee free |
| INSURANCE PREMIUM WITH NKOSK* | 1,35% to 2,35% |
| ONE-TIME FEE IN FAVOR OF NKOSK | EUR 30,00 |
| LOAN COLLATERAL | - Two blank promissory notes from the Loan Beneficiary - First-rank mortgage or second-rank mortgage when the first-rank mortgage has been established as a security in favor of NLB Komercijalna Banka - Real estate insurance assigned in favor of NLB Komercijalna Banka with insurance companies - Loan insurance by the National Corporation (NKOSK) |
| LOAN REPAYMENT | Made monthly in dinars |
| DOWNPAYMENT | A minimum of 20% of the purchase price of the real estate, or of the preliminary bill of quantities and cost projections. A minimum of 10% of the purchase price of the real estate for the purchase of the first residential property. |
| EARLY REPAYMENT | In the amount of damage suffered, and at most up to 1% of the amount of the early repaid principal, if the period between the early repayment and the final maturity of the loan is longer than one year, i.e. 0.5% if the stated period is shorter, with the condition that the amount of early repayment in a period of 12 months is greater than RSD 1,200,000.00. The fee cannot be higher than the amount of interest that the user would pay during the period between early repayment and the deadline for fulfilling the obligation from the loan agreement. Damage means the difference between the interest rate agreed with the User and the market interest rate at which the Bank can place the amount obtained by early repayment at the time of this repayment, including administrative costs. The market interest rate means the average weighted interest rate for that type of loan, which is published by the National Bank of Serbia on its website. |
* The cost of the loan insurance premium with NKOSK increases in the following cases:
1. If the loan beneficiary does not have life insurance assigned in favor of the Bank, 0.25% is added to the stated premiums.
2. If the mortgaged property is an "object under construction," 0.5% is added to the stated premiums.
3. If the mortgaged property is an "object legalized under the Law on Planning and Construction," based on minimal technical documentation, 0.15% is added to the stated premiums.
4. If the credit indebtedness ratio of the loan beneficiary and co-debtor (the ratio of total monthly credit obligations to regular net monthly income reduced by the value of the minimum consumer basket for the first adult household member according to the latest data published by the National Statistical Office) is: equal to or greater than 60%, 0.5% is added to the stated premiums; equal to or greater than 70%, 1% is added to the stated premiums; equal to or greater than 80% (only when 80% or more of the monthly obligations are contracted in dinars), 1.5% is added to the stated premiums.
In all cases where the loan security is a mortgage on real estate, loan approval incurs costs related to property valuation, insurance, obtaining certificates, confirmations, permits, declarations, and decisions from the relevant authorities, as well as the costs of constituting the mortgage, among others. These costs are included in the representative example.
The conditions for granting this type of housing loan are for informational purposes. For the possibility of submitting a request and more detailed information regarding this loan product, we invite you to contact the nearest Bank branch.
| DINAR HOUSING LOANS UNSECURED BY NKOSK | |
|---|---|
| TYPE OF CLIENT | BANK CLIENTS RECEIVING THE SALARY / PENSION THROUGH THE BANK AND BANK CLIENTS IN THE PROCESS OF TRANSFERRING THE PAYMENT OF THE SALARY / PENSION TO THE BANK |
| LOAN AMOUNT | from EUR 35.000 up to EUR 300.000 in the dinar equivalent from EUR 35.000 up to EUR 100.000 for the purchase of the first residential property (for downpayment of 10%) |
| CONTRACTED LOAN CURRENCY | Dinar loan |
| REPAYMENT PERIOD | from 96 to 360 months from 96 to 240 months for the purchase of the first residential property (for downpayment of 10%) |
| NOMINAL INTEREST RATE AT ANNUAL LEVEL, VARIABLE | 6M BELIBOR + 1,95% Margin rate 1,95% is fixed The value of 6M BELIBOR as at 01.03. / 01.09., used for the current six-month period is applied. Until 31.12.2025., the Bank applies a nominal interest rate that cannot be higher than 5%. If the nominal interest rate is lower than 5% on the day of loan realization, as well as on the agreed adjustment day, the Bank will apply that lower interest rate. |
| INTERNAL RATE ADJUSTMENT | Interest rate adjustment is performed semi-annually on 31 March (6M BELIBOR as of 1 March is applied) and on 30 September (6M BELIBOR as of 1 September is applied). |
| BANK FEE FOR PROCESSING THE LOAN | Fee free |
| LOAN COLLATERAL | - Two blank promissory notes of the Loan Beneficiary - First-rank mortgage or second-rank mortgage when the first-rank mortgage has been established as security in favor of Komercijalna banka - Real estate insurance assigned in favor of Komercijalna banka with insurance companies |
| LOAN REPAYMENT | Made monthly in dinars |
| DOWNPAYMENT | Min. 20% of the amount of the purchase price of the real estate, or the estimate and pre-invoice of the works. Min. 10% of the amount of the purchase price of the real estate for the purchase of the first residential property. |
| EARLY REPAYMENT | In the amount of damage suffered, and at most up to 1% of the amount of the early repaid principal, if the period between the early repayment and the final maturity of the loan is longer than one year, i.e. 0.5% if the stated period is shorter, with the condition that the amount of early repayment in a period of 12 months is greater than RSD 1,200,000.00. The fee cannot be higher than the amount of interest that the user would pay during the period between early repayment and the deadline for fulfilling the obligation from the loan agreement. Damage means the difference between the interest rate agreed with the User and the market interest rate at which the Bank can place the amount obtained by early repayment at the time of this repayment, including administrative costs. The market interest rate means the average weighted interest rate for that type of loan, which is published by the National Bank of Serbia on its website. |
In all cases where the loan collateral is a mortgage on real estate, the approval of the loan involves costs related to property valuation, insurance, obtaining certificates, confirmations, permits, statements, and decisions from relevant authorities, costs of constituting the mortgage, and other related expenses. These costs are included in the representative example.
The conditions for granting this type of housing loan are for informational purposes. For the possibility of submitting a request and more detailed information regarding this loan product, we invite you to contact the nearest Bank branch.
| HOUSING LOAN UNINSURED BY NKOSK WITH A FOREIGN EXCHANGE CLAUSE – WITHOUT LIFE INSURANCE | ||
|---|---|---|
| Business name | NLB Komercijalna banka | NLB Komercijalna banka |
| Type of client | BANK CLIENTS RECEIVING THE SALARY/PENSION THROUGH THE BANK | BANK CLIENTS IN THE PROCESS OF TRANSFERRING THE SALARY/PAYMENT TO THE BANK |
| Purchase price of the real estate in EUR | 100.000,00 | |
| Downpayment (min 20%) in EUR | 20.000,00 | |
| Loan amount in EUR | 80.000,00 | |
| Repayment period in months | 360 | |
| Total number of annuities | 360 | |
| Contracted loan currency | RSD | |
| Indexation criteria | EUR | |
| Nominal interest rate at an annual basis | 6M EURIBOR* + 2,30%, variable Until 31.12.2025., the Bank applies a nominal interest rate that cannot be higher than 5%. If the nominal interest rate is lower than 5% on the day of loan realization, as well as on the agreed adjustment day, the Bank will apply that lower interest rate. | |
| Bank fee for processing the loan application | Fee free | |
| Monthly fee for a current account maintenance in RSD | Fee free | 150,00 |
| Mortgage registration fee in RSD | 71.140,00 | |
| Drafting and notarization of the pledge statement by notaries public in RSD | 25.920,00 | |
| Additional real estate insurance in RSD | 5.000,00 | |
| Costs of the real estate folio issuance in RSD | 1.296,00 | |
| Cost of issuing a certificate for first-time real estate buyers in RSD | 660,00 | |
| Costs of the real appraisal in RSD | 12.000,00 | |
| Appraisal costs of the mortgaged real estate in RSD (every 3 years) | 10.000,00 | |
| Costs of obtaining a Credit Bureau report in RSD | 246,00 | |
| Costs of the promissory note issuance in RSD | 100,00 | |
| Monthly installment in EUR | 399,95 | |
| Total amount to be paid by the Beneficiary per loan in EUR | 146.980,55 | 147.441,35 |
| Total price that the Beneficiary should pay for the loan in EUR | 66.980,55 | 67.441,35 |
| Effective interest rate | 4,71% | 4,74% |
Warning: a change in exchange rates may lead to a change in the total amount that the user pays under the loan agreement!
*The value of the 6M Euribor as of 01.09.2025 is 2,086%.
The calculation is done on 15.09.2025.
**The cost of issuing a real estate extract is shown for the issuance of a single document. The cost may increase depending on the number of pages and the number of real estate extracts required in the loan approval process.
The terms for approving this type of mortgage loan are for informational purposes only. For the possibility of submitting an application and more detailed information regarding this loan product, we invite you to contact the nearest branch of the Bank. The specific loan terms depend on the Bank’s internal client segmentation.
| DINAR HOUSING LOAN INSURED BY NKOSK – WITHOUT LIFE INSURANCE | |||
|---|---|---|---|
| Business name | NLB Komercijalna banka | NLB Komercijalna banka | |
| Type of client | BANK CLIENTS RECEIVING THE SALARY/PENSION THROUGH THE BANK | BANK CLIENTS IN THE PROCESS OF TRANSFERRING THE PAYMENT OF THE SALARY/PENSION THROUGH THE BANK | |
| Purchase value of the real estate in RSD | 10.000.000,00 | ||
| Downpayment (min 20%) in RSD | 2.000.000,00 | ||
| Loan amount in RSD | 8.000.000,00 | ||
| Repayment period in months | 360 | ||
| Total number of annuities | 360 | ||
| Contracted loan currency | RSD | ||
| Indexation criteria | No indexation criteria | ||
| Nominal interest rate at an annual level | 6M BELIBOR* + 1,95%, variable Until 31.12.2025., the Bank applies a nominal interest rate that cannot be higher than 5%. If the nominal interest rate is lower than 5% on the day of loan realization, as well as on the agreed adjustment day, the Bank will apply that lower interest rate. | ||
| Bank fee for processing a loan application | Fee free | ||
| Monthly fee for a current account maintenance in RSD | Fee free | 150,00 | |
| Mortgage registration fee in RSD | 71.140,00 | ||
| Drafting and notarization of the pledge statement in RSD | 25.920,00 | ||
| Annual real estate insurance in RSD | 5.000,00 | ||
| Costs of issuance of the real estate folio in RSD | 1.296,00 | ||
| Costs of the real estate appraisal in RSD | 12.000,00 | ||
| Costs of appraisal of mortgaged real estate (every 3 years) in RSD | 10.000,00 | ||
| Insurance premium with NKOSK (2,75% of loan amount) in RSD | 220.000,00 | ||
| One-time fee for processing NKOSK application in EUR | 30,00 (RSD 3.515,24) | ||
| Cost of obtaining a Credit Bureau report in RSD | 246,00 | ||
| Costs of the promissory note issuance in RSD | 100,00 | ||
| Monthly installment in RSD | 42.945,73 | ||
| Total amount to be paid by the Beneficiary in RSD | 18.173.074,34 | 18.227.074,34 | |
| Total price that the Beneficiary should pay for the loan in RSD | 10.173.074,34 | 10.227.074,34 | |
| Effective interest rate | 6,92% | 6,95% | |
*The value of 6M Belibor as of 01.09.2025, is 4,72%.
The calculation is done on 15.09.2025. with Nominal Interest Rate of 5,00%.
**The cost of issuing the property certificate is shown for the issuance of a single document. It may increase depending on the number of pages, as well as the number of property certificates required in the loan approval process.
The conditions for approving this type of housing loan are for informational purposes only. For information on the possibility of submitting an application and more details regarding this loan product, we invite you to contact the nearest branch of the Bank. The specific loan conditions depend on the Bank's internal client segmentation.
| DINAR HOUSING LOAN UNINSURED BY NKOSK – WITHOUT LIFE INSURANCE | |||
|---|---|---|---|
| Business name | NLB Komercijalna banka | NLB Komercijalna banka | |
| Type of client | BANK CLIENTS RECEIVING THE SALARY/PENSION THROUGH THE BANK | BANK CLIENTS IN THE PROCESS OF TRANSFERING THE SALARY/PENSION PAYMENT THROUGH THE BANK | |
| Purchase price of the real estate in RSD | 10.000.000,00 | ||
| Downpayment (min 20%) in RSD | 2.000.000,00 | ||
| Loan amount in RSD | 8.000.000,00 | ||
| Repayment period in months | 360 | ||
| Total number of annuities | 360 | ||
| Contracted loan currency | RSD | ||
| Indexation criteria | No indexation criteria | ||
| Nominal interest rate at an annual basis | 6M BELIBOR* + 1,95%, variable Until 31.12.2025., the Bank applies a nominal interest rate that cannot be higher than 5%. If the nominal interest rate is lower than 5% on the day of loan realization, as well as on the agreed adjustment day, the Bank will apply that lower interest rate. | ||
| Bank fee for processing the loan application | Fee free | ||
| Monthly fee for a current account maintenance in RSD | Fee free | 150,00 | |
| Mortgage registration fee in RSD | 71.140,00 | ||
| Drafting and notarization of the pledge statement in RSD | 25.920,00 | ||
| Additional real estate insurance in RSD | 5.000,00 | ||
| Costs of the real estate folio issuance in RSD | 1.296,00 | ||
| Cost of issuing a certificate for first-time real estate buyers in RSD | 660,00 | ||
| Costs of the real appraisal in RSD | 12.000,00 | ||
| Appraisal costs of the mortgaged real estate (every 3 years) in RSD | 10.000,00 | ||
| Costs of obtaining a Credit Bureau report in RSD | 246,00 | ||
| Costs of the promissory note issuance in RSD | 100,00 | ||
| Monthly installment in RSD | 42.945,73 | ||
| Total amount to be paid by the Beneficiary per loan in RSD | 17.953.219,10 | 18.007.219,10 | |
| Total price that the Beneficiary should pay for the loan in RSD | 9.953.219,10 | 10.007.219,10 | |
| Effective interest rate | 6,63% | 6,66% | |
*The value of 6M Belibor as of 01.09.2025, is 4,72%.
The calculation is done on 15.09.2025. with Nominal Interest Rate of 5,00%.
**The cost of issuing a real estate folio is shown for the issuance of a single document. It may increase depending on the number of pages, as well as the number of property title deeds required in the loan approval process.
The terms and conditions for the approval of this type of housing loan are for informational purposes only. For the possibility of submitting an application and for more detailed information regarding this loan product, we invite you to contact the nearest branch of the Bank. The specific loan terms depend on the Bank's internal client segmentation
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