Housing loan for the purchase of real estate
With Adriatic Bank housing loans, solve one of life's most important issues. If you are buying your first apartment, renovating an existing one or refinancing a home loan from another bank, Adriatic Bank home loans are at your disposal with which you can realize all your wishes.
You can take out a housing loan in dinars, without a currency clause or indexed in euros at the mid-rate of the NBS, which is also used for loan repayments.
Our home loans do not have a fee for processing the loan application.
You can take out a housing loan in dinars, without a currency clause or indexed in euros at the mid-rate of the NBS, which is also used for loan repayments.
Our home loans do not have a fee for processing the loan application.
With the Housing loan indexed in euros, you can buy, build, adapt, reconstruct and refinance housing loans approved by other banks, without a loan processing fee.
Loan conditions
The loan is indexed in euros and is paid and repaid with the application of the middle exchange rate of the NBS
The repayment term is from 60 to 360 months
Participation is a minimum of 20%
Who can apply
Potential loan beneficiaries should have a minimum of one year of work experience and six months with their last employer. The above must also apply to any guarantor.
The loan beneficiary and the guarantor cannot be pensioners at the same time.
A loan can be granted to a client who has not been in arrears for more than 30 days continuously or a total of 60 days in the last 12 months.
The minimum amount of net monthly average salary/pension is 20,000 dinars.
Interest rates and costs
| Housing loan | |
|---|---|
| The nominal interest rate (NKS) | is variable and amounts to 3%* + 6M Euribor, which as of January 15, 2025, amounts to 5.65% per year, for loans indexed in euros and if the client receives earnings through an account at Adriatic Bank a.d. Beograd. NOTE: In accordance with the Decision of the National Bank of Serbia dated December 23, 2024, until December 31, 2025, the Bank applies a nominal interest rate that cannot exceed 5%. If, on the day of loan disbursement or the agreed date of adjustment, the nominal interest rate is lower than 5%, the Bank will apply the lower interest rate. |
| The variable part of the interest rate | is adjusted every six months in accordance with the movement of the 6M Euribor |
| The effective interest rate | calculated on January 15, 2025, amounts to: 5.56% per year |
| Other accompanying costs | (expected amount) |
| Bill of exchange (depending on the number) | 100 dinars |
| Current account (monthly) | 120 dinars |
| Basic report from the Credit Bureau | 246 dinars |
| Certification of pledge statement | 25,200 dinars |
| Property insurance (annual) | 40 euros |
| Issuance of a real estate certificate | 10 euros |
| Real estate valuation | 100 euros |
| Mortgage registration fee | 20,000 dinars |
|
Note: All amounts stated in euros are calculated at the mid-rate of the NBS on the day of payment. |
|
An example of the amount of the monthly installment for the specified conditions
| Calculation date: January 15, 2025 | ||
|---|---|---|
| Loan amount | 30,000 euros | 50,000 euros |
| Payment period | 360 months | 360 months |
| Monthly payment | 159.00 euros | 265.00 euros |
| Total repayment amount (principal and interest) | 57,240.00 euros | 95,400.00 euros |
| You can get a detailed offer for other loan amounts in all Adriatic Bank branches. | ||
