{"id":552,"date":"2026-06-08T09:12:56","date_gmt":"2026-06-08T07:12:56","guid":{"rendered":"https:\/\/new.microfinancegroup.rs\/?p=552"},"modified":"2026-07-17T15:11:23","modified_gmt":"2026-07-17T13:11:23","slug":"finansijsko-savetovanje-iz-oblasti-bankarstva-za-fizicka-lica","status":"publish","type":"post","link":"https:\/\/microfinancegroup.rs\/en\/finansijsko-savetovanje-iz-oblasti-bankarstva-za-fizicka-lica\/","title":{"rendered":"Financial advice in the field of banking for individuals"},"content":{"rendered":"
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Financial advice in the field of banking for individuals<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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If you are planning to buy a residential property - a house or apartment or to secure additional funds, and the information you have at your disposal is not sufficient or completely clear, call us and schedule a meeting, and we will provide you with all the necessary information and direct you to the best source of financing for your needs. We can help you choose a financial institution - a bank that offers the most favorable conditions, or advise you on how to properly choose and use a banking service.<\/p>

Prilikom dono\u0161enja odluke o vrsti i na\u010dinu zadu\u017eivanja zainteresovana lica \u017eele da se dobiju savet od strane stru\u010dnog lica koje ili radi na odre\u0111enim pozicijama u bankama, ili drugim finansijskim isntitucijama, me\u0111utim sve \u010de\u0161\u0107e zainteresovani gra\u0111ani nisu u mogu\u0107nosti da sa takvim licem stupe u kontakt u samoj banci, odnosno vrlo \u010desto prilikom pozivanja banke telefonskim putem potencijani klijent bude preusmeren na Call centar, koji s obzirom da svoj delokrug rada nije u mogu\u0107nosti da pru\u017ei detaljnije i op\u0161irnije informacije o tra\u017eenoj bankarskoj usluzi, odnosno nisu u mogu\u0107nosti da pru\u017ee odgovore na specifi\u010dna pitanja, ve\u0107 se isklju\u010divo baziraju na uop\u0161tene informacije. Ukoliko \u017eeli vi\u0161e informacija, potencijalnom klijentu, odnosno pozivocu budu date instrukcije za pristup sajtu, na kome sam mora da istra\u017euje o mogu\u0107onstima zadu\u017eenja. U navedenoj situaciji fizi\u010dka lica mogu biti suo\u010dena sa nizom stru\u010dnih termina i iskazanih pokazatelja koji im ne olak\u0161avaju dono\u0161enje odluke, ve\u0107 samo dovodi klijenta do novih nerazja\u0161njenih pitanja.<\/p>

Our goal is to provide individuals with advisory services that they are able to obtain from commercial banks or other financial institutions, whose services they plan to use, with the difference that we are able to take the time and provide clarifications on all our proposals and suggestions, observing the operations of all banks and the services they offer, and on the other hand, we provide advice based on the needs of the client.<\/p>

Svrha finansijskog savetovanja iz oblasti bankarstva je pomo\u0107 gra\u0111anima da izaberu adekvatnu bankarsku uslugu\u00a0 i poslovnu banku kod koje mogu da se zadu\u017ee po najpovoljnijim uslovima, odnosno pod uslovima koji u najve\u0107oj meri odgovaraju planiranim aktivnostima. Veoma je va\u017eno pravilno izabrati vrstu bankarskog proizvoda, a koji je u skladu sa Va\u0161im potrebma i ciljevima.<\/p>

The decision to borrow is further complicated by the different loan offers and terms in different commercial banks, which largely relate to interest rates, currencies in which citizens can borrow, and the tying of credit congestion to EURIBOR or BELIBOR.<\/p>

Vrste kredita koje plasiraju doma\u0107e poslovne banke, a dostupne su fizi\u010dkim licima su slede\u0107e:<\/p>

  • Housing loans<\/li>
  • Cash loans<\/li>
  • Dedicated loans<\/li>
  • Refinancing loans<\/li>
  • Credit cards<\/li>
  • Allowed minus<\/li><\/ul>

    Sve vrste kredita sa svojim specifi\u010dnostima podlo\u017eni su promenama u smislu du\u017eine zadu\u017eenja \u2013 broja godina na koje fizi\u010dko lice mo\u017ee da se zadu\u017ei, u zavisnosti od trenutne situacije na tr\u017ei\u0161tu.<\/p>

    Financial advice in the field of banking for individuals, or rather the importance of such advice in housing loans, is expressed in terms of the length of the loan (the number of years for which an individual borrows), given that with the advice of professionals, you can overcome potential risks to a certain extent. Short-term - crash loans are specific in that they provide an average smaller amount of funds than the previously mentioned housing loans, per client, with interest rates that are most often higher than the interest rates at which you can borrow when purchasing housing from a bank loan.<\/p>

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    The most common questions we are asked by our clients - individuals - are the following:<\/p>

    \u00a0<\/p>

    How many years can I borrow for a housing loan?<\/p>

    How much will the loan ultimately cost me?<\/p>

    Which interest rate is better for me to borrow at, fixed or variable?<\/p>

    Is it better to borrow in dinars or euros?<\/p>

    Can a housing loan be used to finance the purchase of an apartment in a building under construction?<\/p>

    Can a housing loan finance the construction of a prefabricated house?<\/p>

    How can I finance obtaining the permits I need to build a residential space?<\/p>

    How much can I borrow from my income for a housing loan?<\/p>

    How much can I borrow from my earnings for a cash loan?<\/p>

    What is EURIBOR? When does it occur and how does it affect my borrowing?<\/p>

    What is BELIBOR? When does it occur and how does it affect my borrowing?<\/p>

    How many years is it possible to take out a cash loan?<\/p>

    Is it better to borrow from the bank where I have a current account or from another commercial bank?<\/p>

    When is it profitable to pay off a loan early?<\/p>

    \u00a0We are at your disposal for these and all other questions! Call us at the contact number listed on our website, or contact us by email.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

    Ukoliko planirate da kupite stambeni prostor \u2013 ku\u0107u ili stan ili obezbedite dodatna nov\u010dana sredstva, a informacije koje imate na raspolaganju Vam nisu dovoljne odnosno u potpunosti jasne, pozovite nas i zaka\u017eite sastanak, a mi \u0107emo Vam dati sve neophodne informacije i usmeriti Vas ka najboljem izvoru finansiranja Va\u0161ih potreba. Mo\u017eemo da Vam pomognemo prilikom […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-552","post","type-post","status-publish","format-standard","hentry","category-usluge"],"_links":{"self":[{"href":"https:\/\/microfinancegroup.rs\/en\/wp-json\/wp\/v2\/posts\/552","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/microfinancegroup.rs\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/microfinancegroup.rs\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/microfinancegroup.rs\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/microfinancegroup.rs\/en\/wp-json\/wp\/v2\/comments?post=552"}],"version-history":[{"count":3,"href":"https:\/\/microfinancegroup.rs\/en\/wp-json\/wp\/v2\/posts\/552\/revisions"}],"predecessor-version":[{"id":830,"href":"https:\/\/microfinancegroup.rs\/en\/wp-json\/wp\/v2\/posts\/552\/revisions\/830"}],"wp:attachment":[{"href":"https:\/\/microfinancegroup.rs\/en\/wp-json\/wp\/v2\/media?parent=552"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/microfinancegroup.rs\/en\/wp-json\/wp\/v2\/categories?post=552"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/microfinancegroup.rs\/en\/wp-json\/wp\/v2\/tags?post=552"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}