Housing loan for flat-rate entrepreneurs

Our bank offers housing loans tailored to flat-rate entrepreneurs, with simpler documentation and flexible repayment options.

Housing loan adapted to flat-rate entrepreneurs

With a housing loan tailored to flat-rate borrowers, the path to your own home becomes simpler and more affordable. With a minimum down payment of 10% for the purchase of your first apartment, transparent terms and a flexible repayment period of 180 to 360 months, you can plan without burden. In addition, early repayment is completely free of charge - because your new home should also be your new freedom.

10% down payment for the purchase of your first apartment

Old or new construction.

The bank bears the costs of the appraisal.

The costs of real estate appraisal and withdrawal of credit bureau reports upon submission of the application shall be borne by the Bank.

No fee for early loan repayment

Repay when you want.

Home loan calculator for flat-rate entrepreneurs

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All benefits of a housing loan for flat-rate entrepreneurs

Minimum down payment of 10% for the purchase of the first apartment in an old or new building
The costs of real estate appraisal and withdrawal of credit bureau reports when submitting an application are borne by the Bank.
Repayment period of 180 – 360 months
Possibility of purchasing an apartment with 0% construction status (for locations financed by AikBank)
Loan amount from 25,000 – 500,000 EUR
The possibility of joining the salary with a joint debtor (parent or spouse)
Variable and/or combined interest rate

I am interested.

Conditions for submitting a housing loan application

You are a registered entrepreneur who pays flat-rate taxes.
You have a minimum of 3 years of active business experience in the digital/IT industry or law firm
You have active status in the Business Registers Agency (APR) or the Bar Association.

I am interested.

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Representative examples and conditions

Representative examples

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Representative example of a housing loan without insurance from NKOSK

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Loan type	Housing loan indexed in EUR - combined interest rate
Loan amount in EUR	80,000
Loan currency	Dinar loan indexed to EUR
Repayment period in months	360
Nominal interest rate per annum (NKS, fixed)	4.99% fixed annual for the first 3 years 5.33% (2.75% ++ 6m Euribor) after 3 years
Credit application processing fee (one-time)	0.5%
The effective interest rate indicates the total cost of the loan (EIR)*	5.67%
Monthly annuity in EUR (monthly installments), total number of installments 360	428.97 for the first 3 years 444.54 after 3 years
All costs/fees that are borne by the user and are included in the EKS calculation	Two bills - 100 RSD Credit bureau report - 0 RSD Loan processing fee RSD 46,787 Monthly maintenance of the Start payment account - 150 RSD Issuance of real estate certificates (annually) 10 EUR* Initial real estate valuation 0 EUR Real estate insurance (annual) 40 EUR* Certification of pledge statement RSD 10,080* Mortgage registration 65,140 RSD *
The total amount that the user pays on the basis of the loan agreement in EUR (principal, interest, fees and costs)	163,725.81

*For the calculation of the EIR and the amount of the monthly installment, the 6M Euribor as of 27.12.2024 was used and amounts to 2.58%. The interest cost represents the sum of the total regular and compound interest. Compound interest is due on 01.02.2025., is equal to the nominal annual interest rate and is charged for the period from the loan's release to the start of the calculation of the first annuity on the loan.

Costs charged in EUR are calculated in dinar equivalent at the middle exchange rate of the National Bank of Serbia.

The Bank disburses housing loan funds in dinar equivalent at the middle exchange rate of the NBS on the date of transfer of funds. Repayment of loan obligations is made using the middle exchange rate of the NBS on the date of collection in dinar equivalent.

Understanding makes a difference: Borrowing money costs money

Representative example of a housing loan without insurance from NKOSK

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Loan type	Housing loan indexed in EUR - variable interest rate
Loan amount in EUR	80,000
Loan currency	Dinar loan indexed to EUR
Repayment period in months	360
Nominal interest rate per annum (NKS, fixed)	5.35% (2.75% + 6m Euribor)
Credit application processing fee (one-time)	0.5%
The effective interest rate indicates the total cost of the loan (EIR)*	5.81%
Monthly annuity in EUR (monthly installments), total number of installments 360	446.73
All costs/fees that are borne by the user and are included in the EKS calculation	Two bills - 100 RSD Credit bureau report - 0 RSD Loan processing fee RSD 46,787 Monthly maintenance of the Start payment account - 150 RSD Issuance of real estate certificates (annually) 10 EUR* Initial real estate valuation 0 EUR Real estate insurance (annual) 40 EUR* Certification of pledge statement RSD 10,080* Mortgage registration 65,140 RSD *
The total amount that the user pays on the basis of the loan agreement in EUR (principal, interest, fees and costs)	164,540.34

*For the calculation of the EIR and the amount of the monthly installment, the 6M Euribor as of 26.12.2024 was used and amounts to 2.60%. The interest cost represents the sum of the total regular and compound interest. Compound interest is due on 01.02.2025., is equal to the nominal annual interest rate and is charged for the period from the loan's release to the start of the calculation of the first loan installment.

Costs charged in EUR are calculated in dinar equivalent at the middle exchange rate of the National Bank of Serbia.

Understanding makes a difference: Borrowing money costs money

Required documentation

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ID card,
report from the Credit bureau for a private individuals and business,
employment contracts - Currently active contracts with companies for which business is conducted for the purpose of income verification,
turnover according to the business account for the last 6 months,
valid tax ruling on flat-rate taxation,
certificate from the bar association on active status (for lawyers) - no older than 30 days,
certificate of settled taxes and contributions not older than 30 days,
in the event that the flat-rate entrepreneur is employed in another company in addition to the entrepreneurial activity, for the purposes of calculating creditworthiness, submit: two certified administrative orders, pay slips for the last 3 months, turnover on the current account for the last 6 months.

Calculation of creditworthiness, maximum debt and collateral

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The calculation of creditworthiness is calculated as the sum of inflows based on flat-rate activity and monthly salary if the client is employed.
Maximum debt: up to 50% of the average monthly income minus the total debt in other banks.
Means of security: mortgage and promissory notes of a private individual.

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