Refinance your liabilities,
with a longer tenor

  • Refinance your liabilities with Erste Bank and/or other banks
  • Extend the tenor of the existing cash and refinancing loans

Refinansirajte obaveze,
uz duži rok otplate

  • Refinansirajte obaveze unutar Erste Banke i/ili kod drugih banaka
  • Produžite rok otplate postojećih gotovinskih (keš) i kredita za refinansiranje
Key numbers

Fee for processing the application

RSD 0

Maximum tenor

up to 95 months

Loan amount up to

RSD 3,500,000

Refinance your liabilities, with a longer tenor

 

In the current situation, we want to further enable our clients to ease their monthly budget, therefore, in accordance with the decisions of the National Bank of Serbia * we offer you the opportunity to refinance your loan liabilities with a longer tenor of up to eight years. In such a way, you may reduce your monthly liabilities as well.

The offer refers to all the retail loans and credit cards approved by 18 Mach 2020, except for housing loans, account overdrafts and energy efficiency improvement loans.

Regardless of whether you are a client of Erste Bank or not, two options are at your disposal:

 

1. Refinancing the liabilities with Erste Bank and/or other banks under credit cards and loans disbursed until 18 March 2020, under the following conditions:

  • Maximum tenor of 95 months from the moment of refinancing;
  • The maximum amount of the refinancing loan is 3,500,000 dinars ** and it may not be higher than the amount of the debt to be refinanced;
  • The nominal interest rate for a loan without payment protection insurance ranges from 7.20% on an annual basis - with an online loan application;
  • Effective interest rate for a loan without payment protection insurance of 7.45% on an annual basis - with an online loan application

2. Extending the tenor of the existing cash and refinancing loans, which were disbursed in Erste Bank from 01 January 2019 to 18 March 2020, under the following conditions:

  • Maximum tenor of 95 months, counting from the initial date of disbursement of the loan for which the tenor is extended, i.e. the initially agreed tenor is changed;
  • The other initially agreed loan terms are to be retained, except for the tenor (the interest rate remains unchanged, as well as the rest of the debt).

If you want to refinance your liabilities with a longer tenor, you may do so online, at this link, as well as in the Erste Bank branch closest to you.

You may submit an application for extending the tenor of the existing cash and refinancing loans at the branch. The Bank branch network may be accessed at this link.

If you have any questions and need further information or clarifications, please contact us in the following ways:

  • in a branch of Erste Bank,
  • by calling 0800 201 201 (free call from all networks),
  • by e-mail at info@erstebank.rs,
  • via Skype, by contacting ErsteBankSerbia.

*Decision on Supplementing the Decision on Capital Adequacy and Decision on Amending the Decision on Managing Concentration Risk Arising from Bank Exposure to Specific Products

**depending on creditworthiness and income

You might be interested