We currently track 7 offers from NLB Banka. Each offer is compared with other banks by the annual percentage rate (APR), which includes fees.
Rates checked 04/11/2026 on the official bank website. Always check the bank's official website for terms and details.
Cash loans
- No. 7 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.
Keš kredit
- EKS
- 8.14%
Example: 500,000 RSD over 60 months, about 10,102 RSD per month
- Nominal rate
- 7.85%
- Amount
- from 100,000 to 5,000,000 RSD
- Repayment term
- from 13 to 71 months
- Interest
- fixed
Specijalna ponuda sa fiksnom kamatom, bez osiguranja, uz prijem zarade u banci (u procesu prenosa EKS 8,36%); sa osiguranjem od nemogućnosti otplate NKS od 7,35% (EKS 8,71%); za primanja do 100.000 RSD važi posebna ponuda; bez prenosa zarade do 2.500.000 RSD; primer 1.500.000 RSD na 71 mesec, obračun na dan 30.10.2026.
Keš kredit (primanja do 100.000 RSD)
- EKS
- 8.25%
Example: 500,000 RSD over 60 months, about 10,126 RSD per month
- Nominal rate
- 7.95%
- Amount
- from 100,000 to 1,000,000 RSD
- Repayment term
- from 13 to 71 months
- Interest
- fixed
Preporuka NBS za primanja do 100.000 RSD, uz prijem zarade u banci: bez osiguranja od 7,95% (EKS 8,25%; za klijente u procesu prenosa zarade banka navodi NKS 7,45%, EKS 8,59%); sa osiguranjem od nemogućnosti otplate od 7,45% (EKS 8,83%); primer 1.000.000 RSD na 71 mesec, obračun na dan 30.10.2026.
Keš kredit za penzionere
- EKS
- 12.63%
Example: 500,000 RSD over 60 months, about 11,110 RSD per month
- Nominal rate
- 11.95%
- Amount
- from 100,000 to 3,000,000 RSD
- Repayment term
- from 13 to 71 months
- Interest
- fixed
Do 3.000.000 RSD za klijente sa prijemom penzije u banci (u procesu prenosa penzije EKS 12,96%); uključeno životno osiguranje; moguće refinansiranje kredita iz druge banke; primer 1.000.000 RSD na 71 mesec, obračun na dan 30.10.2026.
Mortgage loans
- No. 2 of 5 banks by lowest APR, in euros, variable rate (EURIBOR). Lowest APR: Banca Intesa, 3.45%, Stambeni kredit za mlade (subvencija države).
Stambeni kredit sa fiksnom stopom prva 72 meseca
- EKS
- 5.07%
Example: 85,000 EUR over 300 months, about 458 EUR per month
- Nominal rate
- 4.2% (6M EURIBOR + 2.6%)
- Amount
- from 40,000 to 300,000 EUR
- Repayment term
- from 96 to 360 months
- Interest
- variable
Posebni uslovi do 30.11.2026, bez osiguranja kod NKOSK, uz prijem ili prenos zarade/penzije: fiksna 4,20-4,95% prva 72 meseca, zatim 6M EURIBOR + 2,60-2,75%; opcija 36 meseci fiksno od 4,10% (EKS od 5,12%); promenljiva od početka 6M EURIBOR + 2,30-2,55% (EKS od 4,60%).
Stambeni kredit za mlade (subvencija države)
- NKS
- 1.5%
Example: 85,000 EUR over 300 months, about 340 EUR per month
- Nominal rate
- 1.5% (6M EURIBOR + 2%)
- Amount
- to 100,000 EUR
- Repayment term
- from 96 to 480 months
- Interest
- variable
The bank has not published the EIR for this loan — only the nominal rate (no fees included) is shown, so the offer is ranked below all offers with a published EIR.
Državni program za kupovinu prve nekretnine (20-35 godina u trenutku zahteva): subvencionisana fiksna 1,50% prva 72 meseca (ukupna stopa 3,50%, razliku plaća država), zatim 6M EURIBOR + 2,00%; grejs do 12 meseci; EKS nije objavljen na stranici.
Loan refinancing
- Lowest APR of 4 banks, in dinars, fixed rate.
Kredit za refinansiranje
- EKS
- 8.14%
Example: 500,000 RSD over 60 months, about 10,102 RSD per month
- Nominal rate
- 7.85%
- Amount
- from 100,000 to 5,000,000 RSD
- Repayment term
- from 13 to 71 months
- Interest
- fixed
Bez osiguranja, uz prijem zarade u banci (u procesu prenosa EKS 8,36%); sa osiguranjem od nemogućnosti otplate NKS od 7,35% (EKS 8,71%); za primanja do 100.000 RSD važi posebna ponuda; primer 1.500.000 RSD na 71 mesec, obračun na dan 30.10.2026.
Kredit za refinansiranje (primanja do 100.000 RSD)
- EKS
- 8.25%
Example: 500,000 RSD over 60 months, about 10,126 RSD per month
- Nominal rate
- 7.95%
- Amount
- from 100,000 to 1,000,000 RSD
- Repayment term
- from 13 to 71 months
- Interest
- fixed
Preporuka NBS za primanja do 100.000 RSD, uz prijem zarade u banci: bez osiguranja od 7,95% (EKS 8,25%); sa osiguranjem od 7,45% (EKS 8,83%); primer 1.000.000 RSD na 71 mesec, obračun na dan 30.10.2026.
Is NLB Banka the best deal for you?
Compare loans from all banks by APR and installment for your amount, or compare banks by accounts, fees and network.
Frequently asked questions about loans
What loans does NLB Banka offer?
NLB Banka currently offers: Cash loans (3 offers), Mortgage loans (2 offers), Loan refinancing (2 offers). We checked the data on 04/11/2026 on the official bank website.
NLB Banka Cash loans: what is the interest rate?
The lowest published APR is 8.14% (Keš kredit), nominal rate 7.85%, in dinars, fixed rate. No. 7 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.
NLB Banka Mortgage loans: what is the interest rate?
The lowest published APR is 5.07% (Stambeni kredit sa fiksnom stopom prva 72 meseca), nominal rate 4.2%, in euros, variable rate (EURIBOR). No. 2 of 5 banks by lowest APR, in euros, variable rate (EURIBOR). Lowest APR: Banca Intesa, 3.45%, Stambeni kredit za mlade (subvencija države).
NLB Banka Loan refinancing: what is the interest rate?
The lowest published APR is 8.14% (Kredit za refinansiranje), nominal rate 7.85%, in dinars, fixed rate. Lowest APR of 4 banks, in dinars, fixed rate.
What is the effective interest rate (EIR) and why do we rank by it?
The effective interest rate (EIR) includes fees and other loan costs on top of the nominal rate, so it is the closest measure of the total price you actually pay. That makes EIR the only fair way to compare offers across banks.
Where does the interest rate data come from?
We collect rates from the banks' official websites (representative examples) and record the source and check date for every entry. If a bank changes its terms before our next check, the data may briefly lag behind.