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Housing loan
Feel at Home
Buying your first apartment is more than just securing a roof over your head—it’s the start of your new chapter. We understand that initial costs can be a challenge, which is why our AikBank housing loan allows you to purchase your first home with just 10% down payment. With a maximum loan amount of €500,000, you have the flexibility to create a home that perfectly fits your needs.
We're here to make your journey to homeownership easier—because we understand you.
10% down payment for your first home
No loan processing fees
No early repayment fees
What does AikBank housing loan offer?
• Only 10% down payment for purchasing your first apartment
• Bank covers property appraisal and credit bureau report costs
• Variable and/or combined interest rates
• Repayment period up to 30 years
• Option to buy an apartment at 0% construction completion (for AikBank-financed projects)
• Loan amount up to 500,000 EUR
• Joint income application with a co-borrower (parent or spouse)
• Purchase of apartments in both old and new buildings
Housing Loan Calculator
Da dobijem kredit što pre
Da mi rata bude fiksna
Example of a housing loan with a combined interest rate
Example of a housing loan with a variable interest rate
Required documentation
Housing loan requiring a 10% downpayment
Cash loan from AikBank
Found the house or flat of your dreams but lack the funds needed for a downpayment? Take a look at the cash loans we have on offer
Learn more
Frequently Asked Questions
What is creditworthiness and am I creditworthy?
How can I calculate my loan installment?
What is the nominal (NKS) and effective (EKS) interest rate?
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