Loans
Mortgage loans - rates from all banks, October 2026
We compared 7 offers from 5 banks, taken from the banks' official websites. The lowest annual percentage rate (in euros, variable rate (EURIBOR)) is currently at Banca Intesa: APR 3.45%, nominal rate 1.5% (checked 22/10/2026).
This information is for guidance only. Always verify final interest rates and terms on the bank's official website.
Your loan
Loan type
We only show loans that cover this amount.
Interest rate
Who is borrowing
Monthly income
Most banks offer special, lower rates for income up to 100,000 RSD (NBS recommendation).
Bank ranking
— ranked by effective interest rate (EIR)Representative example from the bank's official website, checked on 22/10/2026. The instalment is an indicative calculation from the published rate; final terms depend on your creditworthiness.
You repay in total ~ 126,250 EUR (of which interest and costs ~ 41,250 EUR)
- Nominal rate
- 1.5% (3M EURIBOR + 2%)
- Amount
- to 100,000 EUR
- Repayment term
- to 480 months
- Interest
- variable
Državni program za kupovinu prve nekretnine (20-35 godina u trenutku zahteva): subvencionisana fiksna 1,50% prvih 6 godina, zatim 3M EURIBOR + 2,00 p.p.; učešće od 1%; nekretnina do 150.000 EUR; grejs do 12 meseci.
You repay in total ~ 148,416 EUR (of which interest and costs ~ 63,416 EUR)
- 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 31.10.2026, 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%).
You repay in total ~ 153,839 EUR (of which interest and costs ~ 68,839 EUR)
- Nominal rate
- 4.9% (3M EURIBOR + 2.65%)
- Amount
- from 10,000 to 350,000 EUR
- Repayment term
- from 72 to 360 months
- Interest
- variable
Fiksna 4,90% prvih 60 meseci, zatim 3M EURIBOR + 2,65% (3M EURIBOR 2,589% na dan 05.10.2026); uz prijem zarade/penzije u banci; učešće 20%, za prvu nekretninu 10%; promenljiva od početka: 3M EURIBOR + 2,45%; primer 90.000 EUR na 360 meseci (EKS na dan 05.10.2026).
You repay in total ~ 155,713 EUR (of which interest and costs ~ 70,713 EUR)
- Nominal rate
- 4.8% (3M EURIBOR + 2.7%)
- Amount
- from 35,000 EUR
- Repayment term
- to 360 months
- Interest
- variable
Fiksna 4,80-4,85% prvih 5 godina, zatim 3M EURIBOR + 2,70%; uz prenos zarade i najmanje 6 meseci kod istog poslodavca; učešće 20% (10% uz hipoteku na drugi objekat); primer: kupovina 43.750 EUR uz učešće 8.750 EUR (kredit 35.000 EUR).
You repay in total ~ 162,562 EUR (of which interest and costs ~ 77,562 EUR)
- Nominal rate
- 5% (6M EURIBOR + 2.8%)
- Repayment term
- to 360 months
- Interest
- variable
Fiksna 5,00% prvih 36 meseci, zatim 6M EURIBOR + 2,80%; moguće i 60 meseci fiksno; reprezentativni primer na dan 01.10.2026.
For the following banks we have not yet collected rates from their official websites, so they are not ranked: Adriatic Bank, Bank of China, Mirabank, Srpska banka.
Frequently asked questions about loans
Mortgage loans: which bank is the cheapest?
By annual percentage rate (in euros, variable rate (EURIBOR)) the best offers are: Banca Intesa, Stambeni kredit za mlade (subvencija države) (EKS 3.45%); NLB Banka, Stambeni kredit sa fiksnom stopom prva 72 meseca (EKS 5.07%); Raiffeisen, Stambeni kredit sa fiksnom stopom prvih 5 godina (EKS 5.45%). Checked 22/10/2026; the bank sets final terms after assessing creditworthiness.
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.
Why is the rate lower for income up to 100,000 RSD?
Following a recommendation of the National Bank of Serbia, most banks have a special offer of cash and refinancing loans for clients with monthly income up to 100,000 RSD, with a lower rate and usually a lower maximum amount. Choose your income in the calculator to see the offers that actually apply to you.
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.
Is the monthly instalment shown final?
No — the instalment is an indicative annuity calculation for the amount and term you entered. The final offer is set by the bank after assessing your creditworthiness, so always confirm the terms with the bank before deciding.
Fixed or variable rate (EURIBOR)?
A fixed rate stays the same for the entire repayment period, so the instalment is predictable. A variable rate is tied to EURIBOR and can go down as well as up — mortgages are usually variable in euros, while cash loans are typically fixed in dinars.