Housing loan with a down payment of 10%

Up to real estate in new or old construction with an AikBank housing loan.

You'll have a place to call your own

Regardless of whether you are choosing your first apartment or more space for a new life phase, we are here to support you.

10% down payment for the purchase of your first apartment

Variable or compound interest rate

No processing and prepayment fees

Home loan calculator

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When you need a new space

Both security and flexibility.

With flexible financing terms and amounts tailored to your needs, AikBank home loan provides security and support in making one of the most important life decisions. Because we understand how important support is on that journey, we provide home loans:

without the costs of real estate appraisal and withdrawal of the Credit Bureau report when applying for a loan,
with the possibility of combining the salary with a joint debtor (parent or spouse),
with the possibility of purchasing an apartment with 0% construction progress (for AikBank project financing).

I am interested.

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How to get a housing loan?

Submitting a request

Visit the nearest AikBank branch and apply for a housing loan.

Request processing

During the processing of the request, the submitted loan and property documentation is checked, and if additional documentation is needed, our team will call you.

Signing the contract

After the request is approved, the housing loan agreement is signed.

Loan disbursement

After signing the contract and verifying the necessary documentation, the Bank disburses the funds, and you can continue with preparations for moving in.

Throughout every step of the process, you have the support of the AikBank team, for a safe and carefree solution to your housing issue.

See all the project financing options available to you at AikBank

Airport Garden

Belgrade, New Belgrade

Victory Gardens

Belgrade, Cukarica

Branko Pešić Complex

Belgrade, Zemun

Villa LaLa

Novi Sad

Ozone Residence

Belgrade, New Belgrade

Silva Viewpoint

Belgrade, Vozdovac

Residence 2

Belgrade, Zemun

Elite Block 28

Leskovac

Representative examples and conditions

Representative examples

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Housing loan for the purchase of the first property for clients with an income of up to 100,000 RSD

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Loan type	Housing loan indexed in EUR - combined interest rate*
Loan currency	Dinar loan indexed to EUR
Loan amount in EUR	80,000
Repayment period in months	360
Loan indexing method	In dinar equivalent at the middle exchange rate of the NBS
Nominal interest rate per annum (NAI), combined	4.00% fixed, annual (first 3 years) 4.75% (2.65% + 6m Euribor, after the first 3 years)
The effective interest rate indicates the total cost of the loan (EIR) as of 08.09.2025.	5.09%**
Monthly annuity in EUR (monthly installments), total number of installments 360	381.93 for the first 3 years 417.09 after the first 3 years
Credit application processing fee (one-time)	No charge
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 0 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 72,900 RSD *
Total cost of the loan in EUR (amount of interest, fees and costs)	73,627.92
The total amount that the user pays on the basis of the loan agreement in EUR (principal, interest, fees and costs)	153,627.92

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

*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.

**For the calculation of the EIR and the amount of the monthly installment, the 6M Euribor as of 04.09.2025 was used and amounts to 2.10%. The interest cost represents the sum of the total regular and compound interest. Compound interest is due on 15.09.2025, 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.

*** Approximate average amounts, over which the Bank has no influence as they depend on third party fees and charges. Costs charged in EUR are calculated in dinar equivalent at the middle exchange rate of the National Bank of Serbia.

Understanding makes the difference: with loans indexed in EUR with a variable interest rate, changes in monthly installments are possible if there is a change in the exchange rate and a change in the reference interest rate (Euribor) during the loan repayment period.

Housing loan with a combined interest rate

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Loan type	Housing loan indexed in EUR - combined interest rate*
Loan currency	Dinar loan indexed to EUR
Loan amount in EUR	80,000
Repayment period in months	360
Loan indexing method	In dinar equivalent at the middle exchange rate of the NBS
Nominal interest rate per annum (NAI), combined	4.50% fixed, annual (first 3 years) 4.77% (2.65% + 6m Euribor, after the first 3 years)
The effective interest rate indicates the total cost of the loan (EIR) as of May 14, 2025.	5.05%**
Monthly annuity in EUR (monthly installments)	405.35 for the first 3 years 417.30 after the first 3 years
Credit application processing fee (one-time)	No charge
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 0 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 72,900 RSD *
Total cost of the loan in EUR (amount of interest, fees and costs)	73,396.69
The total amount that the user pays on the basis of the loan agreement in EUR (principal, interest, fees and costs)	153,396.69

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

**For the calculation of the EIR and the amount of the monthly installment, the 6M Euribor as of 12.05.2025 was used and amounts to 2.12%. The interest amount represents the sum of the total regular and compound interest. Compound interest is due on 01.06.2025., 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.

***Indicative average amounts, over which the Bank has no influence as they depend on third party fees and charges. Costs charged in EUR are calculated in dinar equivalent at the middle exchange rate of the National Bank of Serbia.

Variable interest rate home loan

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Loan type	Housing loan indexed in EUR - variable interest rate*
Loan currency	Dinar loan indexed to EUR
Loan amount in EUR	80,000
Repayment period in months	360
Loan indexing method	In dinar equivalent at the middle exchange rate of the NBS
Nominal interest rate per annum (NAI), variable	4.39% (2.65% + 6m Euribor)
The effective interest rate indicates the total cost of the loan (EIR) as of June 25, 2025.	4.72%**
Monthly annuity in EUR (monthly installments)	400.14
Credit application processing fee (one-time)	No charge
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 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 72,940 RSD *
Total cost of the loan in EUR (amount of interest, fees and costs)	67,386.12
The total amount that the user pays on the basis of the loan agreement in EUR (principal, interest, fees and costs)	147,386.12

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

**For the calculation of the EIR and the amount of the monthly installment, the 6M Euribor on 23.06.2025 was used and amounts to 2.04%. The interest amount represents the sum of the total regular and compound interest. Compound interest is due on 01.07.2025., 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.

***Indicative average amounts, over which the Bank has no influence because they depend on taxes and fees of third parties. Costs charged in EUR are calculated in dinar equivalent at the middle exchange rate of the National Bank of Serbia.

Documentation

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Documentation required for a housing loan

Certificate of employment and income with certified administrative bans
Payslips certified by the Employer for the last 3 months
Certified current account transactions for the last 6 months
Pre-contract or real estate purchase agreement
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.
Other documentation that the Bank will independently collect, with your consent

In addition to the above, clients applying for a housing loan with a 10% down payment are also required to submit:

Certificate of residence starting from 01.07.2006. This certificate is issued by the Ministry of Interior of the buyer's place of residence.
Certificate from the competent public revenue administration authority (Tax Administration) that you are not a taxpayer for property tax on individuals starting from 01.07.2006. If you had registered residence in the territory of different cities/municipalities, this certificate must be obtained from all municipalities.
IKPS VAT form certified by a notary

You will need the above documents to file a VAT refund with the Tax Administration, so it is sufficient to submit certified photocopies of the same documents to the bank.

Security measures

Two promissory notes and an administrative ban
Mortgage on real estate
Real estate insurance

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Choose a property that suits you

Big decisions take time, and we are here to help you implement your plans simply and with reliable support every step of the way.

I am interested

Frequently asked questions

What is creditworthiness and am I creditworthy?

Creditworthiness shows whether you can get a loan and whether you are able to repay it regularly within the agreed period. The bank assesses your creditworthiness in relation to the amount and repayment period you are requesting, based on your employment, monthly income, data from the Credit Bureau and the basic documentation you submit with your loan application.

How can I calculate the loan installment?

Even before formally applying for a loan, you can use the loan calculator on our website to get a rough estimate of your monthly installment, based on the parameters you enter. You can get an exact calculation of your housing loan installment at a branch, after conducting checks and consulting with a financial advisor.

What is the nominal (NKS) and effective (EKS) interest rate?

The nominal interest rate is the one at which interest on a loan is calculated, and the effective interest rate includes all costs and fees that are borne by the user at the time the loan is approved.