Serbia’s first digital mortgage broker
Current population debt for home loans and remodeling loans (in EUR billions)
Association of Serbian Banks
Credit report see more
In Serbia, more than 30,000 people have mortgages.
The average approved value of a mortgage is around 40,000 euros.
The total value of mortgages in repayment in Serbia is over 2.5 billion euros.
More than 100 million euros in mortgages have been disbursed in Serbia in the past 12 months.
Note for Effective Interest Rate: Indicative estimates downloaded from bank websites are displayed. The Effective interest rate includes the Nominal interest rate and all other loan processing costs that banks are obligated to present to the client (such as claim processing fee, insurance, real estate registry (cadastre) office, notary, appraisers, etc.).
Napomena za Efektivnu kamatnu stopu: Prikazane su indikativne procene preuzete sa sajtova banaka. Efektivna kamatna stopa uključuje Nominalnu kamatnu stopu i sve ostale troškove vezane za obradu kredita koje su banke dužne da predstave klijentu (kao što su naknada za obradu zahteva, osiguranje katasatar, notar, procenitelji i td.) .
Napomena za Efektivnu kamatnu stopu: Prikazane su indikativne procene preuzete sa sajtova banaka. Efektivna kamatna stopa uključuje Nominalnu kamatnu stopu i sve ostale troškove vezane za obradu kredita koje su banke dužne da predstave klijentu (kao što su naknada za obradu zahteva, osiguranje katasatar, notar, procenitelji i td.) .
Napomena za Efektivnu kamatnu stopu: Prikazane su indikativne procene preuzete sa sajtova banaka. Efektivna kamatna stopa uključuje Nominalnu kamatnu stopu i sve ostale troškove vezane za obradu kredita koje su banke dužne da predstave klijentu (kao što su naknada za obradu zahteva, osiguranje katasatar, notar, procenitelji i td.) .
You need to be employed full-time
Income that is 2-3 times higher than the monthly instalment
Money raised for down payment from 10% to 30%
Clean credit history without late payments in the last two years
There are several types of non-standard loans in Serbia
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Read more about the role of notaries in the process of taking out mortgage loans by clicking here.
30-year repayment period, annual interest rate 3%, the client has no other obligations
Mesečna primanja
Maksimalna mesečna rata
Maksimalni iznos stambenog kredita
According to a decision made by the National Bank of Serbia in 2020, the minimum down payment for mortgage loans in Serbia is 10%. However, most banks still require a 20% down payment
In addition, many banks offer a 0-10% down payment, if the mortgage for the loan is taken out on a property valued at 130% of the loan amount.
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The duration of the loan approval process varies depending on its type. If you are buying new build properties, the banks' loan policies dictate that you must wait for the project to be 80% completed, meaning this can further prolong the process. Below are some informative examples of the mortgage approval process duration in Serbia.
Read more about loan processing fees here.
Make detailed calculations of your costs using the Kredium calculator.
Buying a property with a mortgage loan involves the following types of insurances:
Find out more about mortgage loan insurances here.
The total amount of interest you will pay during the loan repayment period, depends, among other things, on:
Current interest rate
Repayment period
Create your own mortgage repayment plan via the Kredium calculator
Most banks charge a 1% early-repayment fee for early-repayment amounts of up to 10,000 euros.
When it is highly likely that clients will be able to repay the loan early in the coming period (due to bonuses, dividends, etc.).
Under standard terms, banks charge a fee for early repayment, in certain cases they can reduce or waive it completely.
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You save 2-4 days you would otherwise spend in banks
You get advice from our mortgage loan experts
You get at least 3 online home loan offers
You use a detailed simulator of all expenses
You get a completely free service
When I decided to take out a mortgage, the kind and professional advisers at Kredium were there to help me choose the best offer for myself, as well as to help me understand the whole process of taking out a mortgage loan. I am very pleased with the cooperation with the bank I chose and how easy it was to get the loan. I would always choose the efficient and professional Kredium team.
ProductionDirector
Jelena, the adviser, helped me understand what it takes to go through the process of obtaining a loan, which documentation I need to obtain, etc., and to choose the best offer for myself. I'm delighted with the service Kredium offers. I’m so glad you exist!
Excellent communication, work and cooperation. Kudos for the idea and its execution and kudos to the adviser Marko Matić.
Account Manager
With a professional and quick approach, the advisers were able not only to find the best loan offer for me, but also to give me precise instructions so that I didn’t need to visit the bank before applying for and signing the contract. Thank you!
Project Manager
I found out about Kredium through an Internet search engine when I was looking for the best cash loan offer a few months ago. At the time I didn’t meet the employment pre-condition with my current employer but the adviser promised to call me as soon as the conditions were met, and that was exactly what happened. I want to commend their professionalism, kindness and punctuality. Thanks to them and their selfless help, I was able to take out the best loan for myself while alsor eceiving support throughout the entire process from start to finish.
IT Specialist
To say that Kredium was helpful and collaborative would be an understatement! They provided me with the information I needed in less than 24 hours. They saved me so much time that I would have otherwise spent waiting in banks and getting different offers. With Kredium’s help, I not only received quick and accurate information with the best offer tailored to my needs, but I also received consulting support from the very beginning, especially when I would encounter obstacles in applying for a loan. I would like to thank the entire team, especially, Mr. Marko Matić.
Savetnik za nekretnine
066 / 686 89 85
Mortgage Loan Adviser
+381 66 6868 988
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