• FIKS loan

    Refinance your obligations with our FIKS loan

    Correct past mistakes with a unique fixed interest rate of 8.95% and refinance that unfavorable loan up to 3,500,000 RSD. If needed, you can also take additional cash.

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Cash loan

FIKS refinancing loan

Overdraft

Device loan

Interest rate is 8.95% – fixed and always the same.

Refinance obligations over 1,000,000 RSD with a fixed interest rate of 8.95%. No need to worry about it increasing over time, because with us, there are no unexpected changes.

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Just one interest rate, with no surprises

You don’t need to understand what NIR or EIR means, because we offer just one fixed interest rate. With us, you get exactly what we promise, with no complications, hidden fees, or extra charges.

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Get additional cash

Refinance your obligations and get extra cash, as our maximum loan amount is 3,500,000 RSD. We know that a bit more money is always welcome and we guarantee there will be no additional or hidden costs.

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Submit a request for FIKS refinancing loan

Enter the data and our agent will call you

    Name and suriname *
    Phone number *
    Place of residence *
    Work status *

    You can read it at the following link Notice on the processing of personal data

    The collected data of the user will be used exclusively for the purpose of calling for additional information in the pre-contractual phase about the conditions of Yettel Bank products.

    Useful information

    Terms and representative example for majority external refinancing

    Refinance your loan obligations with another bank quickly and easily—no need to visit that bank. With the National Bank of Serbia’s directive, you can seamlessly switch banks and refinance all your loan obligations with the bank offering terms that suit you best. We handle all communication with the bank whose loan you wish to refinance, right up until that loan is closed.

    A representative example of using a dinar cash loan for the majority of external refinancing:

    Representative example, as well as the effective interest rate, calculated on October 08, 2024. year with the due date of the first installment on Novebmer 30, 2024.

    Terms and representative example for majority internal refinancing

    A representative example of using a dinar cash loan for the majority of internal refinancing:

    Representative example, as well as the effective interest rate, calculated on October 08, 2024. year with the due date of the first installment on Novebmer 30, 2024.

    Required Documentation Based on Employment Status

    Employees

    • Authorization for loan approval to refinance a loan with another bank
    • Monthly bank statements for the account where you receive your salary for the past 3 months in PDF format, showing the last three salary payments. Statements are usually received by email or can be downloaded via internet or mobile banking, or
    • Employment and income confirmation issued in electronic form and digitally signed by the employer, or
    • Confirmation of electronic delivery obtained through the eUprava portal. For more information on how to obtain this confirmation, click here. If the employer does not issue a confirmation certified with a digital signature, you can provide a confirmation completed and certified by the employer. An example of a properly completed Confirmation stamped and signed is shown below.
    • PPDG5/PPDG2R – Tax return confirmation for citizens’ income tax for those subject to this type of tax

    Employment and Income Confirmation (PDF)
    Example of a properly completed Employment and Income Confirmation (PDF)
    Authorization for loan approval to refinance a loan with another bank (PDF)
    Example of a properly completed Authorization for loan approval to refinance a loan with another bank (PDF)
    Example of an Electronic Delivery Confirmation (PDF)

    Pensioners

    Dinar Pension

    • Authorization for loan approval to refinance a loan with another bank
    • Monthly bank statements for the account where you receive your pension for the past 3 months in PDF format, showing the last three monthly pension payments. Statements are usually received by email or can be downloaded via internet or mobile banking, or
    • Pension checks for the past three months, or
    • Pension amount confirmation issued by the PIO Fund of the Republic of Serbia, or
    • Confirmation of electronic delivery obtained through the eUprava portal. For more information on how to obtain this confirmation, click here.

    Foreign Currency Pension

    • Authorization for loan approval to refinance a loan with another bank
    • Copy of the decision from the relevant fund—translation certified by an authorized court translator (translation is not required for foreign currency pensioners receiving pensions from Croatia, Bosnia and Herzegovina, and Montenegro)
    • Monthly bank statement for the account where you receive your foreign currency pension for the past 6 months in PDF format, showing the last six monthly pension payments. Statements are usually received by email or can be downloaded via internet or mobile banking.

    Who is eligible to apply for a loan amount up to 2,000,000 or over 2,000,000 RSD?

    Who is eligible to apply for loan amounts up to 2,000,000 RSD?

    • Individuals residing in the Republic of Serbia (residents).
    • Adults with a valid ID card at the time of application.
    • Employees whose employer has an active business status.
    • Permanent employees, retirees, and temporary employees earning a minimum net salary of 20,000 RSD.
    • Employees who have been continuously employed for at least three months with their current employer at the time of application.
    • For temporary employees, the loan repayment period must be set so that the final installment is paid at least two months before the expiration of their fixed-term employment contract.

    Who is eligible to apply for loan amounts over 2,000,000 RSD?

    • Individuals residing in the Republic of Serbia (residents).
    • Adults with a valid ID card at the time of application.
    • Employees whose employer has an active business status.