Loan for refinancing

With our loan you can refinance your obligations on current accounts, credit cards and loans, as well as having an option of obtaining extra cash.

All your banking debts can be resolved quickly and easily thanks to our loan for refinancing.

You can open an Intesa Hit current account and refinance obligations arising from:

  • Allowed overdraft
  • Credit cards
  • Loans made in other banks
A special advantage of this loan which provides you with security when planning your monthly obligations is longer repayment period and higher loan amounth. Also, loan for refinancing gives you the possibility of obtaining extra cash.

Benefits of this loan

  • Longer repayment period
  • Higher loan amount
  • Possibility for obtaining extra cash
  • Key features
  • Representative example for clients
  • Representative example for non clients
  • Loan calculator
Type of loanLoan for refinancing in dinars plus extra cash with insurance
Loan currencyRSD
Criteria for indexingNo criteria for indexing
Loan amount25.000 - 2.250.000 RSD
Deposit/ participationNo deposit/participation
Repayment period

6 - 120 months

Interest rate (on an annual basis)Clients *Other citizens
For repayment period up to 84 months

For repayment period from 96 months
12% fixed



10,31% variable (6M Belibor+7,25%)**
15% fixed



13,31% variable (6M Belibor10,25%)**
Security instruments

1 bill of exchange with a "without protest" clause

Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate
The fee for processing the loan application
  • 1% of loan amount, one-time, for clients*
  • 2% of loan amount, one-time, for other citizens
1 bill of exchange

Credit bureau report

50 RSD

246 RSD

Costs borne by the user and are not known at the moment of publication
No additional costs
*The stated conditions apply for individuals, employed for indefinite period, receiving the salary on the current account of in Banca Intesa.
Representative example for clients *

Type of loanLoan for refinancing in dinars plus extra cash with insurance
Loan currencyRSD
Criteria for indexingNo criteria for indexing
Loan amount500,000 RSD500,000 RSD1.000,000 RSD1.000,000 RSD
Repayment period60 months84 months120 months120 months
Monthly instalment10,971 RSD
8,666 RSD13,137 RSD26,274 RSD
Interest rate (on annual basis)
12% fixed
12% fixed10,31% variable**10,31% variable**
Fee5,000 RSD5,000 RSD10,000 RSD20,000 RSD
Effective interest rate
(on an annual basis)
12,52%12,39%10,58%10,58%
Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate
1 bill of exchange

Credit bureau report

50 RSD

246 RSD

* Individual who receives a salary or pension through the current account at Banca Intesa.

**Harmonization of the value of 6M BELIBOR is performed on a six-moth basis (on May 25 and November 25) with the value of 6M BELIBOR on the last day in previous month (April/ October). When presenting the interest rate, 6M BELIBOR was applied as of April 30, 2018 being 3.06%.

You can receive other calculations regarding this product in any of our Bank branches.
Representative example for non clients *

Type of loanLoan for refinancing in dinars plus extra cash with insurance
Loan currencyRSD
Criteria for indexingNo criteria for indexing
Loan amount500,000 RSD500,000 RSD1.000,000 RSD2.000,000 RSD
Repayment period60 months84 months120 months120 months
Monthly instalment11,653 RSD
9,389 RSD14,678 RSD29,356 RSD
Interest rate (on annual basis)
15% fixed
15% fixed13,31% variable**13,31% variable**
Fee10,000 RSD10,000 RSD20,000 RSD40,000 RSD
Effective interest rate
(on an annual basis)
16,07%15,81%13,89%13,89%
Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate
1 bill of exchange

Credit bureau report

50 RSD

246 RSD

* Individual who receives a salary or pension through the current account at Banca Intesa.

**Harmonization of the value of 6M BELIBOR is performed on a six-moth basis (on May 25 and November 25) with the value of 6M BELIBOR on the last day in previous month (April/ October). When presenting the interest rate, 6M BELIBOR was applied as of April 30, 2018 being 3.06%.

You can receive other calculations regarding this product in any of our Bank branches.

Loan calculator

Amount (RSD)
25.000,00
2.250.000,00
Number of instalments
6
84
Instalment amount (RSD)

Results are for information purposes

Required documents