Full-time employees

• Authorization for granting a loan for refinancing loans at another bank
  
• The monthly bank account statements from the bank where you have been receiving your salary for the past 3 months in PDF, showing the last three salaries paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or
  
• Certificate of employment and amount of income issued in soft copy and signed with a digital certificate by the employer. 
  

If the employer does not issue a certificate certified by a digital certificate, you can attach a certificate stamped and signed.

An example of correctly completed Certificate verified with the stamp and signature is presented below.

• PPDG5/PPDG2R – Certificate of personal income tax return for taxpayers of this type of tax

Pensioners

RSD pension

• Authorization for granting a loan for refinancing loans at another bank
• The monthly bank account statements from the bank where you have been receiving your pension for the past 3 months in PDF, showing the last three pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or
• Pension checks for the last three months, or
• Certificate on the amount of pension issued by the RS Pension and Disability Insurance Fund

Foreign currency pension

• Authorization for granting a loan for refinancing loans at another bank
• A copy of the decision issued by the competent pension fund – the document needs to be translated by a certified court interpreter. The translation will not be required for foreign currency pensioners who receive their pension cheques from Croatia, Bosnia and Herzegovina or Montenegro
• The monthly bank account statements from the bank where you have been receiving your foreign currency pension for the past 6 months in PDF, showing the last six pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking

• Natural persons with residence in the Republic of Serbia (residents)
• Persons above the age of 18 with an ID card valid at the moment when they make their application
• Full-time employees, pensioners and part-time employees who receive their regular monthly income of at least 20,000 RSD. For part time employees repayment period is determined so that the last installment must be paid at least 2 months before the end of the part-time contract. 
  
• Persons employed with companies that have active status
• Persons who have been employed with their current employer for at least 3 months

• Clients will pay their loans off in equal monthly installments at the end of each month, according to their repayment plan
• The first installment will be payable on the last day of the following month
• Installment will be charged automatically to the client’s payment account on the last day of the month

Early loan repayment

• Clients are entitled to repay the loan, in full or in part, even before the term established by the contract, by making an internal transfer from the payment account to the loan sub-account and having previously submitted an application for early repayment of the loan through any agreed upon channel of communication. Notwithstanding the foregoing, the client may make an early repayment of the loan even without applying for it by making a payment/transfer of funds directly to the loan sub-account in the amount that he/she wants to repay early, which can be no less than three installments. In the event that the client makes an early repayment of an amount that is less than the above mentioned, the Bank will treat the paid in amount as an advance payment up to the full amount of the payment of three installments.
• In the event of an early partial repayment, the amount of the monthly installments will be proportionally reduced according to the remaining amount of the total debt