Home loans for the diaspora and non-residents
Are you living in the diaspora looking to purchase property in Serbia? We'll handle everything for you.
What do you need to buy a real estate 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:
- Serbian citizenship
- Minimum one year of employment with the employer
- Company in business for more than two years
- 50% credit indebtedness
- 30% minimum down payment
Documentation and process
| Required documentation | Language |
|---|---|
|
Written confirmation of current employment and amount of income (average for 6 months) |
Serbian |
|
Payslips for 6 months |
/ |
|
Transaction history on the bank account for the last 12 months |
/ |
|
Employment contract (indefinite term) |
Serbian |
|
Credit bureau report from the country where the income is earned |
Serbian |
|
Work permit from passport |
Serbian |
|
Report of the credit bureau from the territory of the Republic of Serbia |
Serbian |
|
Appraisal by an authorized appraiser |
Serbian |
Process
- 1 Registration
- 2 We get in touch with you
- 3 Preliminary analysis
- 4 Connecting you with the bank
- 5 Our support in processing requests
Home loans for foreigners
The only bank in Serbia that offers home loans to foreigners is API Bank.
| Bank | Minimum amount | Maximum amount | Repayment |
|---|---|---|---|
| API Bank | € 5,000 | € 100,000 | 20 years |
Mortgages for employees abroad
Mortgages for employees abroad can be granted to residents who are Serbian citizens, as well as foreign citizens with income outside of Serbia. On the other hand, non-residents face restrictions on most banking transactions, including lending, while resident foreigners are financed by banks under the same conditions as Serbian citizens. Serbian citizens living and working abroad can apply for mortgages indexed in dinars or euros.
Documentation Required for a Mortgage
Note
Employment Certificate
Proof of Current Employment Abroad
Account Statement
Bank statement showing regular income
Preliminary Agreement
Real estate purchase agreement
Property Documentation
Proof of Ownership and Property Valuation
Credit Bureau Report in Serbia
Required Credit Bureau Report from Serbia
Credit Bureau Report from the Country of Residence
Required Credit Bureau Report from the Country where the Buyer Currently Resides and Works
Home Loans for Non-Residents
Learn more about housing loans for non-residents in Serbia and find the best option for you.
| Bank | Minimum Amount | Maximum Amount | Repayment |
|---|---|---|---|
| API bank | € 5.000 | € 100 000 | 20 years |
| Bank Postanska Stedionica | € 5.000 | € 500 000 | 10 years |
| Banca Intesa | € 15.000 | € 500 000 | 20 years |
Real Estate Serbia
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 maybe Kopaonik? If you want to invest in one of our most popular mountains, we offer you a large selection of real estate.
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. We offer you the opportunity to insure your home according to your preferences
