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 your needs, the path to your own home becomes simpler and more affordable. With a flexible repayment period of 180 to 360 months, you can plan without burdens. In addition, early repayment is completely free of charge, because your new home should also be your new freedom.

Possibility of combining income

Variable and/or combined interest rate

No fee for early loan repayment

Home loan calculator for flat-rate entrepreneurs

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All benefits of a housing loan for flat-rate entrepreneurs

Repayment period of 180 – 360 months
Opportunity to buy an apartment with 0% building completion (for AikBank project financing)
Loan amount from 40,000 to 300,000 EUR
The possibility of combining your 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 for buying your first property for clients with an income up to 100,000 RSD

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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)	4.00% fixed annual for the first 3 years 5.10% (2.65% + 6m Euribor) after 3 years
The effective interest rate indicates the total cost of the loan (EIR)*	5.14%
Monthly annuity in EUR (monthly installments), total number of installments 360	381.93 for the first 3 years 430.16 after 3 years
Credit application processing fee (one-time)	It's free
All costs/fees that are borne by the user and are included in the EKS calculation	Two bills - 100 RSD Credit bureau report - 246 RSD Monthly maintenance of the payment account - 150 RSD Issuing a property list 1,174 RSD* Property valuation 11,740 RSD* Property insurance (annual) 4,696 RSD* Notarization of pledge statements 10,080 RSD* Mortgage registration fee 75,820 RSD***
Total loan cost in EUR (amount of interest, fees, and expenses)	75.789,08
The total amount the user pays under the loan agreement in euros (principal, interest, fees, and costs)	155.789,08

**The bank disburses the loan funds for housing purposes in dinar equivalent at the NBS middle exchange rate on the day of fund transfer. Repayment of the loan is done using the NBS middle exchange rate on the day of collection in dinar equivalent.

**For calculating the APR and the monthly installment, the 6M Euribor as of April 16, 2026, was used, which is 2.45%. The interest cost is the sum of the total regular and intercalary interest. The intercalary interest is due on May 1, 2026, is equal to the nominal annual interest rate, and is charged for the period from when the loan is disbursed until the start of the first installment calculation.

***Approximate average amounts, which the Bank has no control over as they depend on fees and charges from third parties. Costs charged in EUR are calculated in their dinar equivalent at the average exchange rate of the National Bank of Serbia. Understanding makes a difference: for loans indexed in EUR with a variable interest rate, monthly installments may change if there is a change in the exchange rate and the reference interest rate (Euribor) during the loan repayment period.

Representative example of a housing loan with a combined interest rate

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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
Method of credit indexing	In the dinar equivalent at the NBS middle exchange rate
Repayment period in months	360
The way of indexing loans	In dinar equivalent at the NBS middle exchange rate
Nominal interest rate per annum (NKS, fixed)	4.50% fixed, annual (first 3 years) 5.13% (2.65% + 6m Euribor, after the first 3 years)
The effective interest rate indicates the total cost of the loan (EIR as of 02.04.2026)*	5.29%**
Credit application processing fee (one-time)	Not charged
Monthly annuity in EUR (monthly installments)	405.35 for the first 3 years 433.50 after the first 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 - 246 RSD Monthly maintenance of the current payment account - 150 RSD Issuing a property sheet 1,174 RSD* Property valuation 11,740 RSD* Property insurance (annual) 4,696 RSD* Notarization of pledge statements 10,080 RSD* Mortgage registration fee 75,820 RSD***
Total loan cost in EUR (amount of interest, fees, and expenses)	77,653.23
The total amount the user pays under the loan agreement in euros (principal, interest, fees, and costs)	157,653.23

*The bank pays out the loan funds for housing purposes in dinar equivalent at the NBS middle exchange rate on the day the funds are transferred. Repayment of the loan obligations is done using the NBS middle exchange rate on the day of payment in dinar equivalent.

**For calculating the APR and the monthly installment, the 6M Euribor as of March 31, 2026, was used, which is 2.48%. The interest cost is the sum of the total regular and intercalary interest. The intercalary interest is due on April 8, 2026, is equal to the nominal annual interest rate, and is charged for the period from when the loan is disbursed until the start of the calculation of the first loan installment.

***Approximate average amounts, which the Bank has no influence over as they depend on fees and charges of third parties.

Understanding makes the difference: for loans indexed in EUR with a variable interest rate, monthly payments can change if the exchange rate or the reference interest rate (Euribor) changes during the loan repayment period.

Mortgage with a variable interest rate

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Type of loan	Housing loan indexed in EUR - variable interest rate*
Loan currency	Loan in dinars indexed to EUR
Loan amount in EUR	80,000
Repayment in months	360
The way loans are indexed	In dinar equivalent at the NBS middle exchange rate
Nominal annual interest rate (NIS), variable	4.83% (2.35% + 6m Euribor)
The effective interest rate indicates the total cost of the loan (EKS) as of April 2, 2026	5.15%
Monthly installment in EUR (monthly payment)	421.18
Credit application processing fee (one-time)	No charge
All costs/fees that are charged to the user and included in the APR calculation	Two promissory notes 100 RSD Credit bureau report 246 RSD Current account maintenance fee (monthly) 150 RSD Issuing real estate list 1,174 RSD* Property valuation 11,740 RSD * Property insurance (annual) 4,696 RSD* Additional pledge statements 10,080 RSD* Mortgage registration fee 75,820 RSD***
Total loan cost in EUR (amount of interest, fees, and expenses)	74,238.14
The total amount the user pays under the loan agreement in euros (principal, interest, fees, and costs)	154,238.14

**For calculating the APR and the monthly installment, the 6M Euribor as of March 31, 2026, was used, which is 2.48%. The interest cost is the sum of the total regular and intercalary interest. The intercalary interest is due on April 8, 2026, equals the nominal annual interest rate, and is charged for the period from when the loan is disbursed until the start of the calculation of the first loan installment.

***Approximate average amounts, which the Bank has no influence over because they depend on fees and charges from third parties.

Understanding makes a difference: for loans indexed in EUR with a variable interest rate, monthly payments can change if the exchange rate or the reference interest rate (Euribor) changes during the repayment period.

Documentation

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Documentation required for a housing loan	Certificate of employment and income with certified administrative prohibitions Preliminary contract or contract for the purchase of real estate Proof of ownership of the real estate that will be used as a mortgage - extract from the real estate register For buildings under construction, it is necessary to submit a valid building permit, a certificate of registration of works and location conditions Estimation of the value of the real estate that will be the subject of the mortgage (issued by an appraiser from the list of authorized appraisers of AikBank) Other documentation that the Bank, with your consent, will independently collect
Security measures	Two bills of exchange and an administrative ban Mortgage on real estate Real estate insurance