Home loans for the diaspora and non-residents

Are you living in the diaspora and buying property in Serbia? We handle everything for you.

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What do you need to buy property in Serbia on credit?

Non-residents, Serbian citizens working abroad and earning income there can apply for a home loan in Serbia. The main conditions are:

  • Minimum one year of employment with the employer
  • Company in business for more than two years
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Required documents Document validity
Written confirmation of current employment issued by the employer /
Bank account transactions for the last 12 months /
Work permit from the passport Copy
Credit bureau report from the territory of the Republic of Serbia /
Credit bureau report from the country where income is earned /
Assessment by an authorized appraiser /

Bank Offers

Banks in Serbia that offer loans to non-residents and foreigners include:

Foreigners - Api Banka

Non-residents - Aik Banka

Non-residents - Banka Intesa

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Home Loans for Non-Residents and the Diaspora

Home loans for non-residents represent significant potential, and demand for them is growing every day. Banks approve only dinar-denominated loans, and the interest rate is always variable.

Bank Maximum Amount Repayment Period
Banka Intesa 100,000 EUR 20 years
Aik Banka 5,000 - 500,000 EUR 10 years
Banka Poštanska Štedionica 15,000 - 500,000 EUR 20 years

Home Loans for Foreigners

The only bank in Serbia that offers home loans to foreigners who do not have Serbian citizenship is Api Banka. Api Banka is a Russian bank and approves home loans in foreign currency and rubles.

Bank Maximum Amount Repayment Period
Api Banka 500,000
20 years
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Real Estate Listings

On our platform, you can find comprehensive real estate listings both in Serbia and beyond. Kredium offers mortgage loans and real estate listings all in one place. Whether you're looking for the perfect apartment to rent, a seaside home, a cottage, or a mountain apartment, Kredium can help you find the best real estate in your city or homeland.

Mountains in Serbia | Kredium
Zlatibor, Tara, Divčibare, or perhaps Kopaonik? Most city dwellers are interested in buying property in the mountains, where they come from. On the other hand, mountain apartments are currently a very good investment.

New Developments in Belgrade | Kredium
The majority of our citizens and foreigners are interested in buying real estate in Belgrade. From the city center to the outskirts, including Belgrade on the Water, the offerings are excellent. Additionally, on our website, you can calculate the size of your mortgage loan installment. You will easily and safely acquire the property of your dreams and provide your descendants with a legacy in Serbia.

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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