Do you want to solve your housing issue? You have found the right property and plan to finance the purchase with borrowed funds? What is holding you back from fulfilling your need/desire?

You are probably wondering: Can I apply for a housing loan? What are the basic conditions that I must meet to enter the procedure for obtaining a housing loan?



To start the procedure for obtaining a housing loan, you must meet some of the basic conditions. The universal conditions that a bank client must meet to obtain a housing loan, regardless of the bank, are:

1. At least 3 to 6 months of continuous employment with the last employer
2. Minimum (average) salary of 31,000.00 RSD
3. Minimum age of 21 – 23 years (depending on the chosen bank) at the time of applying for a housing loan
4. Maximum age of 70 years at the time of repaying the last installment of the housing loan

A housing loan can be granted for a repayment period of up to 30 years, and it can burden the client’s monthly income by 55% to 60%.