Housing loans in dinars with the fixed interest rate

  • With our assistance you can find the solution suitable for you and your family;
  • For purchase of apartments and housing objects;
  • Monthly interest rate remains the same during the whole repayment period, regardless the euro exchange rate oscilations;
  • Quick loan execution after simple procedure;
  • No hidden charges;
  • You have no obligation to direct your income to account with JUBMES banka

Product Basic Features

Loan typeHousing loan for purchase of housing object in dinars
Loan currency RSD
Loan amount In amount of the real estate sale price, depending on applicant’s credibility
Repayment period 6-84 months
Participation 10% minimum
Method of interest calculation Proportional
Fixed nominal interest rate p.a. 11,90 – 12,90% (for applicants having regular monthly income to account held with Jubmes banka)

Security Instruments

Administrative order on salary of applicant and solidary debtor (if agreed)
Life insurance policy and policy assignment in favor of the Bank,
First lien mortgage established on the real estate in favor of the Bank, based on market value assessed by an expert acceptable by the Bank, in ratio 1,33:1 related to the loan amount
Real estate’s insurance policy and assignment in favor of the Bank
2 (two) solo bills of exchange with the „no protest“ clause and/or solo bill of exchange signed by one endorser having credibility for loans over RSD 900,000,00.
Charges to be borne by the applicant, (charges recognized in the moment of contracting, which are applied in calculation of effective interest rate)
Fee for processing of the Loan Application 0,5-0,8% of loans amount, flat, payable in advance
Charges for the Credit Bureau Report (for applicant) RSD 246,00
Charges for the Credit Bureau Report (for endorser) RSD 102,00
Bill of Exchange (one) RSD 50,00
Charges to be borne by the applicant, (charges recognized in the moment of contracting, which are applied in calculation of effective interest rate)Real estate’s value assessment, Charges for documents obtaining, Mortgage Statement certification, Application for mortgage registry, Real estate insurance, life insurance.

Documentation required with the Loan Application


  1. Completed Application Form for loan product (1 copy in original);
  2. Conformation on employment and income of the loan user/endorser certified by the employer (1 copy in original, signed and certified by the employer’s authorized persons)
  3. Personal identification document of the applicant/endorser (1 copy – photocopy);
  4. Decision on inscription in Courts Registry - only for owners of agencies and independent shops (photocopy - original for inspection) 1 copy;
  5. Decision concerning Tax on income issued by Tax Office (original for inspection) only for owners of agencies and independent shops;
  6. Certification on paid tax on income and tax basis issued by Tax Office - only for owners of agencies and independent shops (photocopy - original for inspection);1 copy;
  7. PPDG-5 form required for all applicants being tax payers in conformity with the Individual Income Tax Law (photocopy - original for inspection) 1 copy;
  8. Bank’s statement on turnover on the current account for previous three months (if no account opened with the Bank) original, issued by the bank where applicant has current account with regular income (1 copy);
  9. Pension checks from previous three months (for pensioners) - Original or photocopy (1 copy)
  10. Consent of applicant/endorser that the Bank may require the report from the Credit Bureau (original signed by the applicant/endorser)1 copy;
  11. Decision on Administrative Order / Original certified by the employer of the applicant/endorser / 2 copies
  12. Permanent order for settlement of the borrower’s obligations (Original signed by the client) - 2 copies
  13. Draft Authorization for applicant / endorser / Original signed by applicant/endorser / 2 copies
  14. Confirmation on the received valuables / Original signed by the applicant /3 copies;
  15. Questionnaire for individual clients (trasante) - Original signed by the client - 1 copy;
  16. Questionnaire on connected persons – Original signed by the applicant – one copy

All required documents should be presented by the applicant personally

Documentation required for assessment of the real estate as a mortgage instrument


  1. Excerpt from a real estate list including the real estate which is subject of a mortgage

  1. Real estate value assessment–original;

  1. Marriage Certificate - excerpt from the registry (if the real estate owner/mortgage debtoris married)

  1. Birth Certificate-original - excerpt from the registry, only if the mortgage debtor is not married;

  1. Personal identification document of the mortgage debtor and his/her spouse - photo-copy;

  1. Written Consent to the Applicant, signed by the spouse and certified by the competent court, for establishing the first lien mortgage on the Real estate, in favor of the Bank and under the Mortgage Contract.

Documentation for conclusion of the Loan Contract and loan funds approval


  1. Certified Mortgage Statement related to the real estate, being the mortgage instrument
  2. Application for the mortgage registry, sealed by the competent registers;
  3. Real estate insurance policy related to principal and additional risks, assigned in favor of the Bank

Personal presentation of all documents required.

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