Enter your future
With our mortgage loan for non-residents enjoy in your own home.
A great offer
Find out what a home loan is all about and its benefits.
Variable interest rate in RSD.
Repayment period up to 360 months.
Maximum professional support of our mortgage loan experts
An exceptional offer on the market
No mortgage loan insurance with the National Mortgage Insurance Corporation, optional life insurance and no early loan repayment fee.
Get ready to apply
Read about general requirements before applying for Raiffeisen banka non-residents mortgage loan
- Minimum paticipation: 40%
- Repayment period until the applicant's 65th year of age (up to the applicant's 70th year of age with mandatory Life insurance policy)
- Open foreign currency and current account with Raiffeisen banka a.d. Beograd from which the loan will be repaid through a standing order with the mandatory transfer of earnings to one of the above mentioned accounts;
- Minimum of 12 months at the current job for an indefinite period;
- Minimum 18 months of operation of the company where the client is employed;
- A creditworthy guarantor who lives and works in Serbia is required;
- A deposit in the amount of three monthly annuities is required;
- A home or mobile phone as well as a telephone at the workplace is require;
- A maximum of two persons can appear on the side of the loan beneficiary who are jointly and severally liable for all obligations from the contract (solidary debtors can only be members of the immediate family)
Secure your own future
The loan is secured by a mortgage of the first order in favor of the bank on real estate that is the subject of purchase or on other registered real estate of adequate value. A mortgage can only be established real estate in a city with a minimum of 20,000 inhabitants. Mortgages on business premises and weekend houses are not acceptable.
Real estate insurance that is the subject of a mortgage on the construction value of the real estate with coverage of basic risks and the risk of water spillage from installations, tied in favor of the bank, is mandatory during the entire loan repayment period.
The applicant's life insurance is optional, unless the client applies for a loan with a repayment term of up to 70 years age of the applicant, when the risk life insurance of the loan beneficiary is mandatory. Applicant must have personal bill.