Updated 2026

Mortgage Calculator Serbia — Serbian bank rates

Calculate your monthly payment, total interest, and the full cost of buying a property in Serbia.

Bank interest rates

Displayed rates are approximate. Contact the bank for current offers.

Fixed rate · June 2026

Property price €

€

Down payment 30.000 €

Interest rate fixed, annual

Loan term

Property type

First-time buyer

Possible transfer-tax exemption

Youth loan (state subsidy)

1.5% · Resale/New-build

Monthly payment

— / per month

Total paid—

Principal—

Total interest—

BalanceInterest paid

Buy vs. rent

—

Monthly payment

—

Estimated rent approx., ~4.5% gross yield

Exact rent estimate for your address →

Pay off faster

An extra monthly payment cuts total interest and shortens the term.

Extra per month (€)

€

Enter an extra amount to see the savings.

Effect of inflation

Your monthly payment never changes, but inflation makes it worth a little less each year — you repay it with ever-cheaper money.

Assumed inflation

The payment stays the same; in today's money it's worth:

today

in 10 years

at the end

Illustrative — assumes constant inflation and wages keeping pace. Not financial advice.

Show the year-by-year schedule

Year	Principal	Interest	Balance

Cost of purchase

Cash needed (besides the loan) — Approximate estimates — exact amounts depend on the bank, notary and property. Verify before buying.

Approximate estimates — exact amounts depend on the bank, notary and property. Verify before buying.

Frequently asked questions

How much down payment is needed for a mortgage in Serbia?

Most banks in Serbia require a minimum down payment of 20% of the property value. Some banks offer options with 10-15% down payment with additional insurance.

Can foreigners get a mortgage in Serbia?

Yes, foreigners with a residence permit in Serbia can apply for a mortgage. Documentation requirements may be more extensive than for Serbian citizens, including proof of income and residence permit.

What is the average mortgage interest rate in Serbia?

The average fixed mortgage interest rate in Serbia ranges between 3.85% and 4.50% annually (2026). Rates depend on the bank, repayment period, and borrower's creditworthiness.

Izaberite jezik