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.

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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.

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Types of loans for refinancing home loans

Refinancing a home loan can be done using the following loans and interest rates:


Refinancing loans with fixed interest rates


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
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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.



Value of processed loans



Realized loans

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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

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

Nikola Mijailovic

Excellent communication, work and cooperation. All praise for the idea, realization and advisor Marko Matić.

Tanja Milojevic

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

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

Marko Krsmancic

Frequently Asked Questions

Can retirees refinance a home loan?
The answer is yes. It is possible to refinance a loan if you are retired.
Can unemployed individuals refinance a home loan?
To refinance a home loan, you need to have permanent employment with the same employer for the last 6 months.
Is it necessary to have an account open at the bank where I am applying for a loan?
Usually, the bank has a requirement that you receive your salary into that account as well.
How can I refinance a home loan?
Our mortgage advisors can help you refinance your home loan under the most favorable conditions for free. Contact us for all the information here.

Contact us

TC Galerija, Bulevar Vudroa Vilsona 14, 11000 Beograd

The Kredium team is here for you

We help you choose the ideal property and the most favorable loan