Do you have a home loan you want to refinance?
Kredium can help. Refinance your home loan from other banks with a new loan and reduce the interest rate and installment.
Refinancing a home loan with another bank
A refinancing loan provides the opportunity to refinance obligations and obtain additional cash. Repaying a home loan with the help of a refinancing loan can be done with another person as a co-debtor, who doesn't have to be a family member. Refinance your credit obligations from another bank without visiting that bank
By the instructions of the National Bank of Serbia, it is possible to easily change banks while another bank takes over all communication with the bank whose loan you want to refinance. Kredium advisors will provide you with support from the beginning of the application process to the closing of that loan.
Types of loans for refinancing home loans
Refinancing a home loan can be done using the following loans and interest rates:
Fixed
Refinancing loans with fixed interest rates
Variable
Refinancing loans with variable interest rates
Conditions for refinancing a home loan
- Permanent employment for an indefinite period, minimum of 6 months with the current employer
- Transfer of personal income to the bank where the loan is being applied for
- Minimum loan amount of 10,000 EUR
- No down payment
- Maximum repayment term of 30 years
- Possibility of combining the incomes of the borrower and co-debtor
- Property insurance
- Life insurance for the borrower (optional)
Required documents for refinancing a home loan
Basic documentation
- Loan application
- Employment certificate
- Administrative garnishment order - for loans in dinars (2 copies)
- Valid ID card or passport
- Certified bank account statement for the last 6 months from another bank
Documentation for retirees
- Pension check for 1 month
- Copy of the Pension Decision - for all retirees except recipients of old-age pensions
- Copy of the pension decision
Completed Loans
So far, our credit advisors have completed over 5,000 loans during their careers and processed loans worth over 50,000,000 euros.
Over
€5,000,000
Value of processed loans
Over
5,000
Realized loans
What people say about us
Adviser Jelena helped me understand what it takes to go through the process of obtaining a loan, which documentation to collect, etc., and how to choose the best offer for myself. I'm delighted with the service Kredium offers. Thank you for existing!
Nikolina Zoric
Excellent service and a great team! They helped me take out a loan and I want to thank and recommend Danijela, the cash loan adviser at Kredium.
Nikola Mijailovic
Excellent communication, work and cooperation. All praise for the idea, realization and advisor Marko Matić.
Tanja Milojevic
Credit advisors were there to help me choose the best offer for me, as well as to help me understand the entire process.
Nikola Bojanic
Great team and the best real estate agency in Serbia! One of the few that provide a solution for everything related to non-chains. Well done!
Marko Krsmancic