Investment Loans


Purpose of loan

- purchase of equipment, machines, vehicles

- purchase, construction of commercial property

- refinancing investment loans in other banks

- refinancing the client’s own investment made in the period of no more than 12 months prior to the submission of loan application

- legalization of completed buildings


- RSD with currency clause

- FX (EUR)*

Repayment period

- up to 84 months for purchase and construction of commercial property

- up to 60 months for other stated purposes

Grace period

- no grace period for the purchase of vehicles

- up to 6 months for the purchase of equipment and machines, purchase of commercial property and legalization of completed buildings

- up to 12 months for the construction of commercial property


- min. 20% of the value of investment

- if deposit is provided, it is fixed for the duration of repayment period

- the deposit does not earn interest

Method of repayment

monthly annuities

Nominal interest rate

10.50%-11.95%** per year, variable

Exchange rate

NBS middle exchange rate for disbursement of the loan, repayment of principal and calculation of interest

Amount of loan

-depending on the client’s creditworthiness and collaterals provided


security depends on the client’s creditworthiness

*In accordance with the Law on FX Transactions
**Interest rate depends on the level of revenue