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Refinancing loan

Eurobank offers a refinancing loan to help you consolidate your financial obligations and simplify your life while saving time and lower the monthly payment.
Loan characteristics:
Amount: 64.000 - 2.000.000 RSD
Nominal interest rate:
  • For Payroll clients: 8,64%, variable (3m Belibor + 7%)*
  • For Non Payroll clients: 14,64%, variable (3m Belibor +13%)*
  • For Payroll clients from 10,21%,
  • For Non Payroll clients from 18,98%
Tenor: 12 - 95 months
Other fees:
  • Disbursement fee: no disbursement fee
  • Monthly administration fee: 0,05%-0,15% from approved loan amount
For loan amounts up to 599,999 RSD the monthly administration fee is 0,15% of the approved loan amount and for loan amounts of 600.000 RSD and above the monthly administration fee is 0,05% of the approved loan amount.
  • Bill of exchange: 50 RSD
  • Credit Bureau report: 246 RSD


Loan type (RSD)Payroll loan-1 Payroll loan-1Payroll loan-2Non Payroll loan-3
Loan amount (RSD)300.000 700.000 300.000 300.000
Tenor (months) 83838383
Disbursement fee 0% 0% 0% 0%
Monthly administration fee 0,15% 0,05% 0,15% 0,15%
Installment (RSD)5.283 11.626 5.919 6.253
Total paid amount (RSD) 438.764965.256 491.572 519.332
NIR* (variable) 8,64%8,64% 12,64% 14,64%
EIR* (variable) 12,35%10,22% 16,74% 19,01%
*The nominal interest rate is variable and is defined as the sum of 3m Belibor and margin. EIR is calculated using a value of 3mBelibor which is 1,64% as of 31.12.2019. The calculation of the EIR included: monthly administration fee (0,05%-0,15% of the approved loan amount), bill of exchange (50 RSD) and Credit Bureau report (246 RSD).Nominal interest rate is determined on a quarterly basis –in January, April, July and October when the variable element is aligned with the values of the officially published reference rate on the last day of the month that precedes the month in which the adjustment is made.The changed variable interest rate will be applied in the first accounting period that starts after the change. 1- These conditions are valid for Payroll clients and refinance liabilities from another bank, or if refinance existing credit obligations within Eurobank do it with a minimal amount of additional funds of 100.000 RSD.2-These conditions are valid for Payroll clients who refinance existing credit obligations within Eurobank with additional cash amount od less than 100.000 RSD 3-These conditions are valid for Non Payroll clientsVisit the nearest branch or call free Euro PHONE 0800 111144, where today you can schedule an appointment with our advisors.

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