The National Bank of Serbia (NBS) has instructed banks to update their credit offers by September 15, 2025, for employees and pensioners with monthly incomes up to 100,000 dinars. The update covers cash, consumer, and housing loans, aiming to provide more favorable lending conditions.
NBS Governor Jorgovanka Tabaković emphasized that the measures are intended to ease citizens’ financial burdens and support businesses, particularly for those with lower incomes, while maintaining long-term sustainability.
Financial analysts note that reducing interest rates from around 10% to 7.5% could save low-income borrowers significant amounts. For example, a one-million-dinar loan over five years could result in savings of 72,000–75,000 dinars.
The NBS also requires banks to offer improved refinancing options for existing debts, further facilitating access to credit for citizens with incomes up to 100,000 dinars.
These measures are part of a broader effort to protect and improve the standard of living for Serbia’s lower-income population.
