Minimum conditions for the realization of the loan
- Minimum salary of RSD 36,000
Employment for a permanent minimum of 6 months
Loan disbursement
- For loan amounts up to RSD 1,200,000, you do not need to come to the bank - application submission and payment are done online.
- For loan amounts over RSD 1,200,000, you need to come to the bank once to sign the contract, and you can submit the request online.
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 5.850.000 RSD
- Participation : None
- Repayment period: 12 - 71 month
- Collateral:
- or loan amounts up to RSD 1,200,000 no promissory notes and an administrative ban are required
- for loans from RSD 1,200,001 to RSD 3.500.000 promissory notes and an administrative ban are required;
- for loans from RSD 3,500,001 promissory notes, an administrative ban and the borrower's ownership of property (without registering a mortgage) are required
- Credit application processing fee: 0,00%
- Additional costs: Bill of exchange 50 RSD, Credit Bureau Report 246 RSD, Maintenance cost Basic account package 150 RSD
- No cost of loan maintaining
Fixed interest rate NCS (annual, fixed) EIR Earnings greater than RSD 100,000 with transfer to ProCredit bank from 7,25%* from 7,88%* Earnings less than RSD 100,000, with transfer to ProCredit bank from 7,5%* from 7,94%* Without transferring earnings to ProCredit Bank 12,8 % 15,57 % *Special offer valid until December 31st 2025.
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 Basic 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
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Loan Terms and Conditions - variable interest rate
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- Type of loan: Investment Loan for private individuals
- Loan currency: RSD
- Indexing criteria: no criteria
- Loan amount: up to RSD 5,850,000
- Downpayment: none
- Repayment period: 12 - 71 months
- NIR (per annum, variable): 5.2% + 3m Belibor,
- EIR: 10,55 %
- Collateral:
- or loan amounts up to RSD 1,200,000 no promissory notes and an administrative ban are required
- for loans from RSD 1,200,001 to RSD 3.500.000 promissory notes and an administrative ban are required;
- for loans from RSD 3,500,001 promissory notes, an administrative ban and the borrower's ownership of property (without registering a mortgage) are required
- Loan application processing fee: 0%
- Additional costs: Promissory note 50 RSD, Credit bureau report 246 RSD, Cost of maintenance Basic account package 150 RSD
Variable interest rate NIR (annual, variable) EIR Earnings greater than RSD 60,000 with transfer to ProCredit bank 9,88% 12,25% Earnings less than RSD 60,000, with transfer to ProCredit bank 10,10% 12,65% Without transferring earnings to ProCredit Bank 11,68% 14,29% 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 Basic Package Account.The stated conditions are of informative character.
For a representative example, the value of 3M Belibor 4.68% was used (as of June 1st, 2025).
The bank adjusts the nominal annual interest rate, contracted as variable, based on the movement of the three-month BELIBOR depending on the type of loan. This adjustment is done quarterly, applying rates published on December 1, March 1, June 1, and September 1, or the next working day if it falls on a non-working day. The newly determined quarterly BELIBOR is applied to annuity calculations due in the next three months, corresponding to December, March, June, and September. The bank provides clients with a Notice of Adjustment along with the new repayment plan.
For disbursements of new loans, the newly established reference interest rate is applied as follows: from disbursements on December 6 to payments on March 5, the interest rate published on December 1 is used; from disbursements on March 6 to payments on June 5, the interest rate published on March 1 is used; from disbursements on June 6 to payments on September 5, the interest rate published on June 1 is used, and from disbursements on September 6 to payments on December 5, the interest rate published on September 1 is used.
*The bank retains discretionary rights to request additional documentation based on the client's credit risk assessment.
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Examples of a loan
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An example of a loan with a fixed interest rate
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An example loan 1,200,000 RSD
Type of loan: retail loan
- Loan currency: RSD
- Criteria for indexing: none
- Loan amount: 1,200,000.00 RSD
- Participation : None
- Repayment period: 71 months
- NCS (annual, fixed): 7.25%
- EIR : 7.88%
- Disbursement fee 0.00%
- Monthly installment: 20,898.39 RSD
- Total loan amount to be repaid by the beneficiary after 71 months: 1,483,785.42 RSD
- Collateral:
- for loan amounts up to RSD 1,200,000 no promissory notes and an administrative ban are required
- for loans from RSD 1,200,001 to RSD 3.500.000 promissory notes and an administrative ban are required;
- for loans from RSD 3,500,001 promissory notes, an administrative ban and the borrower's ownership of property (without registering a mortgage) are required
Additional costs: Basic account maintenance cost 150 RSD, 2 bills of exchange at 50 RSD, Credit Bureau Report 246 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 Basic package account.*The Bank reserves the discretion to request additional documentation from the client on the basis of credit risk assessment
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An example of a loan with variable interest rate
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An example of a loan for 1,200,000 RSD with
- Type of loan: retail loan
- Loan currency: RSD
- Indexing criteria: no criteria
- Loan amount: RSD 1,200,000.00
- Downpayment: none
- Repayment period: 71 month
- NIR (per annum, variable): 5.2% + 3M Belibor,
- EIR: 10.77%
- Disbursement fee 0%
- Monthly instalment: 22,477.75 RSD
- The total amount of credit that the client will repay after 71 months: 1,595,920.14 RSD
- Collateral:
- for loan amounts up to RSD 1,200,000 no promissory notes and an administrative ban are required
- for loans from RSD 1,200,001 to RSD 3.500.000 promissory notes and an administrative ban are required;
- for loans from RSD 3,500,001 promissory notes, an administrative ban and the borrower's ownership of property (without registering a mortgage) are required
- Costs: Basic Package Account maintenance fee RSD 150, 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 4,68% (as of June 1, 2025) was used.
The bank adjusts the nominal annual interest rate, contracted as variable, based on the movement of the three-month BELIBOR depending on the type of loan. This adjustment is done quarterly, applying rates published on December 1, March 1, June 1, and September 1, or the next working day if it falls on a non-working day. The newly determined quarterly BELIBOR is applied to annuity calculations due in the next three months, corresponding to December, March, June, and September. The bank provides clients with a Notice of Adjustment along with the new repayment plan.
For disbursements of new loans, the newly established reference interest rate is applied as follows: from disbursements on December 6 to payments on March 5, the interest rate published on December 1 is used; from disbursements on March 6 to payments on June 5, the interest rate published on March 1 is used; from disbursements on June 6 to payments on September 5, the interest rate published on June 1 is used, and from disbursements on September 6 to payments on December 5, the interest rate published on September 1 is used.
*The bank retains discretionary rights to request additional documentation based on the client's credit risk assessment.
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Keš krediti za zaposlene i penzionere sa primanjima do 100.000 dinara
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Vrsta kredita: Keš kredit za stanovništvo
Uslovi:
- Kamatna stopa: 7,50 %
- Ročnost: 12 - 71 mesec
- Valuta: RSD
- Iznos: 120.000 - 1.000.000 RSD
- Prenos primanja: Da, minimum u iznosu ukupnih mesečnih obaveza po kreditima kod Banke
- Sredstva obezbeđenja: nema
Reprezentativni primer:
- Iznos kredita: 1.000.000 RSD
- Valuta kredita: RSD
- Kriterijum za indeksiranje: nema
- Učešće: nema
- Period otplate: 71 meseci
- NKS (godišnja, fiksna): 7,50%
- EKS: 8,21 %
- Naknada za obradu kredita 0,00%
- Mesečna rata: 17.732,24 RSD
- Ukupan iznos kredita koji će korisnik vratiti nakon 71 meseca: 1.241.263,83 RSD
- Sredstva obezbeđenja: nema
Ponuda važi od 15.09.2025. do 15.09.2026. godine.
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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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Necessary documentation for the loan
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For an investment loan of up to RSD 1,200,000
- Online application
- Approval for the Credit Bureau
- Bank account statement for the previous 6 months
For an investment loan over RSD 1,200,000
- 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.
Please be advised: Borrowing money involves financial costs.