Loan for clients with income up to 100,000 RSD

Individuals with residence in the Republic of Serbia (residents)

Individuals above the age of 18 with an ID card that is valid at the moment when they make their application

Full-time employees and pensioners who receive their regular monthly income up to 100.000 RSD. For part-time employees repayment period is determined so that the last installment must be paid at least 2 months before the end of the part-time contract.

Individuals employed with companies that have active status

Individuals who have been employed with their current employer for at least 3 months

Full-time employees receiving their entire salary or a part of it in our bank

If you receive your entire salary or a part of it (minimum 20.000 RSD monthly) and the company you work for has been in operation for 12 consecutive months, no documentation is required for loans up to 1.000.000 RSD.

Documentation from the employer is not required for loan approval up to 1,200,000 RSD. For amounts exceeding 1,200,000 RSD, you will need to visit our branch and sign the contract.

Full-time employees

• Monthly bank statements from the account to which you receive earnings for the last 3 months in PDF format, showing the last three received salaries. Typically, you receive these statements by email or can download them online or mobile banking, or
• Employment confirmation and income statement issued in electronic form and signed with a digital certificate by the employer, or
• Electronic delivery certificate received from e Government portal.

If the employer does not issue a certificate certified by a digital certificate, you can attach a certificate stamped and signed. An example of correctly completed Certificate verified with the stamp and signature is presented below.

• PPDG5/PPDG2R – income tax return certificate for those with income exceeding a defined limit

Pensioners

RSD pension

• The monthly bank account statements from the bank where you have been receiving your pension for the past 3 months in PDF, showing the last three pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or
• Pension checks for the last three months, or ili
• Certificate on the amount of pension issued by the RS Pension and Disability Insurance Fund
• Electronic delivery certificate received from e Government portal.More information on how to obtain this certificate can be found here.

Foreign currency pension

• A copy of the decision issued by the competent pension fund – the document needs to be translated by a certified court interpreter (for foreign currency pensioners). The translation will not be required for foreign currency pensioners who receive their pension cheques from Croatia, Bosnia and Herzegovina or Montenegro
• The monthly bank account statements from the bank where you have been receiving your foreign currency pension for the past 6 months in PDF, showing the last six pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking

The loan user has the right to pay the loan, in full or partially, even before the finishing date predefined in the agreement, through the internal transfer from user’s current account to its loan party. The minimum repayment amount must be greater than the amount of three annuities.

In the case of the early partial repayment, the amount of the monthly annuities decreases proportionally to the remaining total debt.

The client pays the loan off in the equal monthly annuities at the end of every month, following the repayment plan.

The first annuity arrives on the last day of the following month. Annuity payment is automatically deducted from the client’s current account on the last day of each month.

Loan conditions (PDF)

• Regular deposits of salary/pension in our Bank in the last 3 months (minimum 20,000 RSD per month),
• Continuity in the employer’s business for a minimum of 12 months

Example (PDF)

Note: The stated effective interest rate applies as of the date the loan repayment schedule was created. The representative example was prepared on 15th of September, 2025.

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.

Loan conditions (PDF) Example (PDF)

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:

Note: The stated effective interest rate applies as of the date the loan repayment schedule was created. The representative example was prepared on 15th of September, 2025.