Cash loan for pensioners

We understand that some dreams had to wait, but maybe now is the right time to make your wishes come true.

What does the AikBank loan for pensioners allow you to do?

Fixed interest rate

Life insurance included

Maximum loan amount up to RSD 2,000,000

With mandatory pension transfer to an account at AikBank.

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Cash loan calculator for pensioners

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For plans you don't want to put off anymore

With a cash loan for retirees, achieve your plans easily and without waiting.

I am interested.

Representative examples and loan conditions

Representative examples for clients with a pension of up to 100,000 RSD

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Cash loan and loan for ref. with pension transfer to a payment account at AikBank

In accordance with the NBS Decision, AikBank has prepared a customized offer of cash and refinancing loans for pensioners, at reduced interest rates, for clients with incomes up to 100,000 RSD.

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Loan type	Cash loan for pensioners with a fixed interest rate
Loan amount in RSD	1,000,000.00
Loan currency	RSD
Loan indexing method	No indexing criteria
Nominal interest rate per annum (NKS, fixed)	10.50%
The effective interest rate indicates the total cost of the loan (EIR)*	11.03%
Repayment period in months	71 months
Monthly annuity in RSD (monthly installments), total number of installments 71	18,969.21
All costs/fees that are borne by the user and are included in the EKS calculation	Bill of exchange 50 RSD Credit bureau report 246 RSD
Security measures	Bill of exchange
Total cost of the loan in RSD (amount of interest, fees and costs)	347,110.13
The total amount that the user pays on the basis of the loan agreement in RSD (principal, interest, fees and costs)	1,347,110.13

The offer is valid upon receipt/transfer of a pension or part of a pension at least equal to the amount of the monthly loan obligation to a payment or package account at AikBank.

* EKS calculated on September 8, 2025. year.

The interest expense represents the sum of the total regular and compound interest. Compound interest is due on September 8, 2025, is equal to the nominal annual interest rate, and is charged for the period from the loan disbursement to the start of the first loan annuity calculation.

Understanding makes a difference: borrowing money costs money.

Representative examples for clients with a pension over 100,000 RSD

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Cash loan and referral loan for clients who will transfer their pension to a payment account at AikBank

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Loan type	Cash and refinancing loan for pensioners with a fixed interest rate
Loan amount	RSD
Loan currency	500,000.00
Loan indexing method	No indexing criteria
Nominal interest rate per annum (NKS, fixed)	71 months
The effective interest rate indicates the total cost of the loan (EIR)*	10.50% Fixed
Repayment period in months	11.70%
Monthly annuity in RSD (monthly installments), total number of installments 71	9,485.00
All costs/fees that are borne by the user and are included in the EKS calculation	Bill of exchange 50 RSD Credit bureau report 246 RSD Fee for monthly account maintenance 150 RSD
Security measures	Bill of exchange
Total cost of the loan in RSD (amount of interest, fees and costs)	184,353.00
The total amount that the user pays on the basis of the loan agreement in RSD (principal, interest, fees and costs)	684,353.00

* EKS calculated on 28.12.2024. year.

The interest amount represents the sum of the total regular and compound interest. Compound interest is due on January 8, 2025, is equal to the nominal annual interest rate and is charged for the period from the loan disbursement to the start of the calculation of the first loan annuity.

Understanding makes a difference: borrowing money costs money.

Cash loan and loan for ref. for clients who receive pension on a payment account at AikBank

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Loan type	Cash and refinancing loan for pensioners with a fixed interest rate
Loan amount in RSD	500,000.00
Loan currency	RSD
Loan indexing method	No indexing criteria
Nominal interest rate per annum (NKS, fixed)	13.50%
The effective interest rate indicates the total cost of the loan (EIR)*	14.39%
Repayment period in months	71 months
Monthly annuity in RSD (monthly installments), total number of installments 71	10,263.00
All costs/fees borne by the user and included in the calculation of EKS	Bill of exchange 50 RSD Credit bureau report 246 RSD
Security measures	Bill of exchange
Total cost of the loan in RSD (amount of interest, fees and costs)	228,952.00
The total amount that the user pays on the basis of the loan agreement in RSD (principal, interest, fees and costs)	728,952.00

* EKS calculated on 28.12.2024. year.

Understanding makes a difference: borrowing money costs money.

Loan terms

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Loan amount: 100,000 – 2,000,000 RSD
Repayment period: 18- 71 months
Nominal interest rate (NKS) of 10.50%* - 13.50% annual, fixed
Mandatory transfer of pension or part of pension at least equal to the amount of the monthly loan obligation to a payment account at AikBank with the possibility of paying the pension up to 7 days earlier than the official payment to the PIO fund.

*The nominal interest rate is defined for clients who have not received a pension on a current account at AikBank in the previous 3 months and who will transfer a pension or part of a pension at least equal to the amount of the monthly loan obligation to a current or package account at AikBank, as well as for clients with pensions up to RSD 100,000.

Required documentation

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ID card or passport for inspection
Pension checks for the last 3 months if you do not receive your pension through a current account at AikBank
Certified administrative ban (for pensioners who do not receive their pension through a current account at AikBank) – download the form
Administrative ban decision – download the form