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Kamatne stope banaka za stambene kredite – Srbija

Unesite cenu, učešće i rok otplate da vidite koje banke nude najnižu mesečnu ratu za vaš stambeni kredit, uz jednokratne naknade i ukupan trošak za ceo rok.

Loan amount: 128.000 € · Term (years): 20 · Last updated: 20.10.2026.

The instalment is calculated from the lowest nominal rate of each offer. The bank sets the final rate for your application.

Offers marked EURIBOR + margin follow the reference rate; the current figure assumes 6M EURIBOR of 3,10%.

EURIBOR 6M 3,10% (set on 01.10.2026.)

1

NLB Komercijalna banka

Fixed for 3 years, then variable

Lowest instalment
Monthly instalment 782,42 €
Nominal rate
4,10% – 4,65%
Effective rate
5,12%
One-time fees
0 €
Total cost over 20 years
187.780 € at the initial rate; the rate after the fixed period is not known
2

NLB Komercijalna banka

Fixed for 6 years, then variable

Monthly instalment 789,21 € +6,79 € per month compared to the lowest
Nominal rate
4,20% – 4,95%
Effective rate
5,07%
One-time fees
0 €
Total cost over 20 years
189.411 € at the initial rate; the rate after the fixed period is not known
3

AIK banka

Fixed for 3 years, then variable

Monthly instalment 809,79 € +27,38 € per month compared to the lowest
Nominal rate
4,50%
Effective rate
5,29%
One-time fees
–
Total cost over 20 years
194.350 € + ? at the initial rate; the rate after the fixed period is not known excluding one-time fees the bank does not publish
4

OTP banka Srbija

Fixed for 3 years, then variable

Monthly instalment 827,17 € +44,75 € per month compared to the lowest
Nominal rate
4,75% – 4,80%
Effective rate
5,62%
One-time fees
0 €
Total cost over 20 years
198.520 € at the initial rate; the rate after the fixed period is not known
5

OTP banka Srbija

Fixed for 5 years, then variable

Monthly instalment 830,67 € +48,25 € per month compared to the lowest
Nominal rate
4,80% – 4,85%
Effective rate
5,58%
One-time fees
0 €
Total cost over 20 years
199.360 € at the initial rate; the rate after the fixed period is not known
6

NLB Komercijalna banka

Fixed rate

Monthly instalment 855,39 € +72,97 € per month compared to the lowest
Nominal rate
5,15%
Effective rate
5,38%
One-time fees
–
Total cost over 20 years
205.293 € + ? excluding one-time fees the bank does not publish
7

NLB Komercijalna banka

Variable rate

Lowest total cost
Monthly instalment 873,28 € +90,87 € per month compared to the lowest
Nominal rate
EURIBOR + 2,30% – 2,55% (≈ 5,40% – 5,65% now)
Effective rate
4,60%
One-time fees
0 €
Total cost over 20 years
209.588 €
8

AIK banka

Variable rate

Monthly instalment 876,88 € +94,47 € per month compared to the lowest
Nominal rate
EURIBOR + 2,35% (≈ 5,45% now)
Effective rate
5,15%
One-time fees
–
Total cost over 20 years
210.452 € + ? excluding one-time fees the bank does not publish

All offers

Bank Rate type Nominal rate Effective rate Checked on
NLB Komercijalna banka Fixed for 3 years, then variable 4,10% – 4,65% 5,12% 20.10.2026.
NLB Komercijalna banka Fixed for 6 years, then variable 4,20% – 4,95% 5,07% 20.10.2026.
AIK banka Fixed for 3 years, then variable 4,50% 5,29% 20.10.2026.
OTP banka Srbija Fixed for 3 years, then variable 4,75% – 4,80% 5,62% 20.10.2026.
OTP banka Srbija Fixed for 5 years, then variable 4,80% – 4,85% 5,58% 20.10.2026.
NLB Komercijalna banka Fixed rate 5,15% 5,38% 20.10.2026.
NLB Komercijalna banka Variable rate EURIBOR + 2,30% – 2,55% (≈ 5,40% – 5,65% now) 4,60% 20.10.2026.
AIK banka Variable rate EURIBOR + 2,35% (≈ 5,45% now) 5,15% 20.10.2026.

Kako čitati ponude banaka

Nominalna ili efektivna kamatna stopa?

Nominalna kamatna stopa (NKS) je čista kamata na kredit. Efektivna kamatna stopa (EKS) uključuje i naknade i druge troškove kredita, pa je bolji pokazatelj za poređenje banaka.

Fiksna ili promenljiva kamatna stopa?

Fiksna kamatna stopa se ne menja tokom perioda fiksiranja, pa je rata predvidiva. Promenljiva kamatna stopa prati referentnu stopu, a rata s vremenom može rasti ili padati.

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