Your new flat is just 10 days away
- Housing loan approval in 10 business days from the day complete documentation is submitted
- No NKOSK expenses
- No life insurance expenses
- No maintenance fees on your loan account
- Possibility of obtaining a preliminary decision
Housing loan with just one visit to the bank
You send all the documentation to the bank by e-mail, and after the loan is approved, you come to the bank only once to sign the contract.
Stambeni kredit kalkulator
How can I get a housing loan from ProCredit Bank?
You’ve picked out a piece of real estate that you wish to purchase?
Congratulations! You’ve taken the first huge step toward making your dream a reality.
Submit an Application and schedule a meeting with your Advisor
Prepare a list of questions you wish to ask in advance. This is a big decision and it’s a good idea to be as well informed as possible about each step.
We have prepared a check list that will ensure you don’t miss anything.
Collect all of the necessary documentation
View the list of necessary documents and download the ones you need.
Be sure to fill in everything properly, this will speed up the bank’s decision-making process.
You will receive a bank decision in 10 days
Depending on whether the submitted documentation is complete, this period may be shorter or longer if documentation needs to be supplemented.
Signing the Agreement and disbursal of funds into the seller’s account
Congratulations! If you’ve made it this far, this means that you will soon be holding the keys to YOUR flat or house.
Once the Agreement has been signed and the funds have been disbursed to the seller, the flat is now officially yours!
What do I need to know before submiting a Housing Loan Application Form?
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Documentation necessary for a final decision
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- Housing Loan Application Form (download)
- Certificate of the Employer (download)
- Attachment of Salary (download)
- Salary slips for the past 3 months
- Current account bank statements for the last 6 months
- Consent to obtain a Credit Bureau Report (download)
- Real Estate Purchase Pre-Agreement or Agreement
- Excerpt from the Real Estate Registry
- Real estate appraisal for the subject of the mortgage (prepared by an authorised appraiser on the ProCredit Bank Appraisers List)
*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment
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Documentation necessary for a preliminary decision
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- Salary slips for the past 3 months
- Current account bank statements for the last 6 months
- Consent to obtain a Credit Bureau Report
A preliminary decision is information on the amount of loan that you can count on receiving. This decision is brought very quickly and is based on the main documentation provided.
*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment
Loan conditions
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Housing loans terms and conditions
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Home loan terms with a combined interest rate
Special offer valid until December 31st 2025
- Type of loan: Housing loan
- Loan currency: EUR
- Indexing criteria: no criteria
- Minimum loan amount: 50,000.00 EUR
- Loan application processing fee: 0%
- Downpayment: min 20%
- Repayment period from 144 to 360 months
- NIR (per annum, fixed 3 or 5 years) 4.50%, variable 2.50% + 6m Euribor
- EIR: 4.79%
- Monthly installments: EUR 1,021.18 (for the amount of EUR 200,000)
- Loan repayment method: monthly
- Payment in accordance with the loan agreement
- Collateral: 2 promissory notes of the loan beneficiary, first-order mortgage on real estate, administrative prohibition of the creditor, bonded real estate insurance policy and bonded life insurance policy - optional.
- Additional costs: Basic report of the Credit Bureau 246 RSD; two promissory notes 100 RSD, Cost of maintenance Basic account package 150 RSD, Loan application processing fee: 0%
- Additional costs (outside the bank): the cost of evaluating the mortgaged real estate (three-yearly), the cost of insuring the real estate against basic risks and water spills from installations (annually), the cost of certifying pledge statements, the cost of registering a mortgage, the cost of obtaining a real estate certificate and other fees related to subject to mortgage and life insurance premiums - optional
Other conditions:
- Employment with your current employer for at least the last 6 months
- An open RSD account at ProCredit Bank and at least one salary paid in to the account
- Min. of 18 years of age at the time the loan application is submitted
- Collateral: mortgage
- Loan disbursement and loan repayment is per the middle exchange rate of the NBS
- Down payment min 20%
All examples are provided with the transfer of salary to an account held at ProCredit Bank and under our Basic Package Account.
The stated conditions are of informative character.
For a representative example, the value of 6m Euribor 2.063% was used. (as of June 1, 2025)
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Representative example - combined interest rate
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A representative example of a housing loan with a combined interest rate - 5 years fixed interest rate
- Real estate value: 125,000.00 eur
- Participation: 20%, i.e. 25,000.00 eur
- Loan amount: EUR 100,000.00
- Repayment term: 360 months
- Loan processing fee: 0.00%, fixed
- NIR: 4.50%* (fixed during the first five years of loan repayment), after five years variable interest 2.50%* + 6 monthly Euribor, until the end of the loan repayment
- EIR: 4.86%
- Monthly installments: EUR 510.59 for the first five years, EUR 513.92 after five years
A representative example of a housing loan with a combined interest rate - 3 years fixed interest rate- Real estate value: 125,000.00 eur
- Participation: 20%, i.e. 25,000.00 eur
- Loan amount: EUR 100,000.00
- Repayment term: 360 months
- Loan processing fee: 0.00%, fixed
- NIR 4.50%* (fixed during the first three years of loan repayment), after three years variable interest 2.50%*+ 6 monthly Euribor, until the end of the loan repayment
- EIR: 4.87%
- Monthly installments: EUR 510.59 for the first three years, EUR 514.12 after three years
*Special offer valid until December 31st 2025
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Representative example - variable interest rate
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A representative example of a housing loan with a combined interest rate
Real estate value: 125,000.00 eur
Participation: 20%, i.e. 25,000.00 eur
Loan amount: EUR 100,000.00
Repayment term: 360 months
Loan processing fee: 0.00%, fixed
NIR: 2.80% + 6m Euribor, variable
EIR: 5.20%
Monthly installments: 532.80 eur
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Stambeni kredit za zaposlene i penzionere sa primanjima do 100.000 dinara
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Vrsta kredita: Stambeni kredit sa kombinovanom kamatnom stopom. Klijent može izabrati 3 ili 5 godina fiksnu kamatnu stopu, a nakon tog perioda kamatna je varijabilna do kraja perioda otplate.
Uslovi:
- Kamatna stopa: prvih 3 ili 5 godina fiksna kamatna stopa 4,49%, nakon perioda 3 ili 5 godina varijabilna kamatna stopa od 2,30 % + 6 mesecni Euribor*
- Ročnost: 144 - 360 meseci
- Valuta: Indeksirani u EUR (po srednjem kursu Narodne banke Srbije na dan isplate/otplate)
- Iznos: Vrednost predmetne nepokretnosti, umanjena za najmanje 20% učešća
- Prenos primanja: Da, minimum u iznosu ukupnih mesečnih obaveza po kreditima kod Banke
- Sredstva obezbeđenja: hipoteka, menice i administrativne zabrane
Reprezentativni primer:
- Iznos kredita: 50.000 EUR
- Valuta kredita: Indeksiran u EUR
- Iznos kupoprodajne cene: 62.500 EUR
- Učešće u procentima: 20%
- Učešće iznos: 12.500 EUR
- Period otplate: 360 meseci
- NKS (godišnja, fiksna kamatna stopa prvih 3 ili 5 godina, po izboru klijenta ): 4,49%
- NKS (godišnja, varijabilna kamatna stopa, nakon isteka prve 3 ili 5 godina, po izboru klijenta): 2,30% + 6m Euribor
- Vrednost 6m Euribor-a* (važeća do 1.12.2025.): 2,09%
- EKS: 4,86%
- Mesečna rata u periodu sa fiksnom kamatnom stopom (prvih 3 ili 5 godina): 254,97 EUR
- Mesečna rata u periodu sa varijabilnom kamatnom stopom nakon isteka fiksnog perioda: 251,64 EUR
- Ukupan iznos kredita koji će korisnik vratiti nakon 360 meseci, za izabranu kombinovanu kamatu sa 5 godina fiksnom kamatnom stopom: 90.791,55 EUR
*Usklađivanje sa šestomesečnim EURIBOR-om se vrši polugodišnje i to primenom stopa objavljenih za dan 1. decembar i 1.jun, odnosno za prvi naredni radni dan ukoliko isti pada u neradni dan. Tako određen novi šestomesečni EURIBOR primenjuje se kod obračuna anuiteta koji dospevaju u narednih šest meseci, u odnosu na mesec decembar i mesec jun. Banka dostavlja klijentima Obaveštenje o usklađivanju u skladu sa ovim stavom, sa novim planom otplate.
Dodatni troškovi:
- Vođenje računa (mesečno) : 150 RSD
- Menice (jednokratno) : 100 RSD
- Troškovi procene nepokretnosti (jednokratno) : 125 EUR
- Troškovi upisa hipoteke (jednokratno) : 26.060 RSD
- Troškovi overe založne izjave (jednokratno) : 43.200 RSD
- Troškovi osiguranja nepokretnosti (godišnje) : 40 EUR
- Troškovi izdavanja LN (jednokratno) : 10 EUR
- Sredstva obezbeđenja: dve menice, administrativna zabrana i hipoteka na predmetnoj nepokretnosti
Koja dokumenta je potrebno da klijent dostavi, kao dokaz da je reč o prvoj nepokrenosti?
- Uverenje nadležne poreske uprave da klijent nije bio obveznik poreza na imovinu fizičkih lica počev od 1. jula 2006. godine. Ako je prebivalište bilo prijavljeno u različitim opštinama, uverenje je potrebno pribaviti za svaku opštinu.
- Uverenje o prebivalištu počev od 1. jula 2006. godine.
Ponuda važi od 15.09.2025. do 15.09.2026. godine.
Frequently asked questions - housing loans
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How long does it take to approve a housing loan?
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The time needed to approve a housing loan depends on the complexity of the application, and mostly on whether the documentation provided is complete.
Once complete documentation is submitted, a decision on the loan application is brought within 10 business days.
The mentioned deadline may be longer if the documentation submitted needs to be supplemented.
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What are the age thresholds for taking out a housing loan?
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A minimum of 18 years of age at the time of approval and a maximum of 70 years of age at the time the final instalment is repaid.
Deviation from the maximum age limit is possible and implies that additional conditions must be fulfilled
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How much is the down payment for a housing loan?
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The minimum down payment is 20% of the value of the real estate.
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How to pay by contract?
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Payments Based on a Sales Contract, Insurance Policy, or Inheritance Decision
To make a payment based on a sales contract, insurance policy, or inheritance decision, please send the contract, policy, or decision to srb.internitransfer@procredit-group.com
Our team will then send a payment order to the Inbox of your eBanking application. You will need to authorize it using a TAN code, and the payment will be executed.
You can also make a payment based on a sales contract at one of our branches
Simple and fast home loan approval procedure
You don't have to just dream anymore, with our home loan, the key can finally be yours!
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Renovate or adapt an apartment or house with a loan of up to EUR 300,000
To calculate the installment and apply for a loan online, select Loan for reconstruction and adaptation in our Loan Calculator.
Green housing loans
Even better conditions for apartments that have a Green Passport or a report on energy efficiency!
To calculate the installment and apply for a loan online, select Green Home Loan in our Loan Calculator.
Please be advised: Borrowing money involves financial costs.