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.

Hero image

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
Section image

Documentation and process

Required documentation Language

Written confirmation of current employment and amount of income (average for 6 months)


Payslips for 6 months


Transaction history on the bank account for the last 12 months


Employment contract (indefinite term)


Credit bureau report from the country where the income is earned


Work permit from passport


Report of the credit bureau from the territory of the Republic of Serbia


Appraisal by an authorized appraiser



  • 1 Registration
  • 2 We get in touch with you
  • 3 Preliminary analysis
  • 4 Connecting you with the bank
  • 5 Our support in processing requests

Bank offer

Banks in Serbia offering loans for non-residents and foreigners are:

Foreigners *

API bank - Link

Non-residents **

AIK bank - Link

Bank Postanska Stedionica - Link

Banca Intesa- Link

Section image

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
Send request

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
Send request

Realestate Offers

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

Section image

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