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Refinancing loan

Eurobank Direktna 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: 8,44%, variable (3m Belibor + 7,50%)*
  • For Non Payroll clients: 15,94%, variable (3m Belibor +15%)*
  • For Payroll clients from 8,90%,
  • For Non Payroll clients from 17,43%
Tenor: 12 - 71 months Loan fees:
  • Disbursement fee: no disbursement fee
  • Bill of exchange: 50 RSD
  • Credit Bureau report: 246 RSD


Loan type (RSD)Payroll loanNon Payroll loan
Loan amount (RSD)300.000 300.000
Tenor (months) 7171
Disbursement fee 0% 0%
Installment (RSD)5.400 6.589
Total paid amount (RSD) 383.687468.146
NIR* (variable) 8,44%15,94%
EIR* (variable) 8,94%17,47%
*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 0,94% as of 31.03.2022. The calculation of the EIR included: 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. Conditions for Payroll clients refer to refinancing liabilities from another bank, or refinancing existing credit obligations within Eurobank Direktna with minimal amount of additional funds of 100.000 RSD.
Visit the nearest branch or call free Contact center number 0800 111144, where today you can schedule an appointment with our advisors.