Stambeni kredit u Srbiji — šta treba da znate?
Stambeni kredit omogućava kupovinu nekretnine uz sopstveno učešće i otplatu na više godina. Ključni parametri su iznos učešća, kamatna stopa (fiksna ili promenljiva), rok otplate i dodatni troškovi obrade i osiguranja.
Učešće
Učešće je deo cene koji plaćate iz sopstvenih sredstava, najčešće od 10% do 20%. Veće učešće znači manji kredit i nižu mesečnu ratu.
Kamatna stopa i rok
Kamata može biti fiksna ili promenljiva (vezana za referentnu stopu). Referentne stope i kretanja možete pratiti na sajtu Narodne banke Srbije. Duži rok otplate smanjuje ratu, ali povećava ukupnu kamatu.
Dodatni troškovi
Pored rate, računajte na trošak procene nekretnine, obrade kredita, osiguranja i uknjižbe hipoteke. Nekretnina po pravilu mora biti uknjižena.
Izračunajte ratu
Okvirnu mesečnu ratu za konkretnu cenu, učešće, rok i kamatu možete odmah proveriti u našem kalkulatoru rate kredita, a zatim uporediti ponude banaka.
Down payment
The down payment is the part of the price you pay from your own funds, most often 10% to 20%. A larger down payment means a smaller loan and a lower monthly payment.
Interest rate and term
The interest can be fixed or variable (tied to a reference rate). You can follow reference rates and trends on the website of the National Bank of Serbia. A longer repayment term lowers the payment but increases the total interest.
Additional costs
Beyond the payment, count on the cost of property appraisal, loan processing, insurance and mortgage registration. The property must, as a rule, be registered.
Calculate your payment
You can immediately check an approximate monthly payment for a specific price, down payment, term and interest in our loan repayment calculator, and then compare bank offers.