How can Russian citizens buy a flat in Serbia with a loan

With our extensive experience in the process, we help you to buy a flat with a mortgage in Serbia safely and without stress. Legal support in Serbian and English.

Book a consultation How does it work

Why should you trust us?

Years of practice, knowledge of banking procedures, and the specifics of proving income for non-residents.

Extensive experience

Specialising in loans for foreigners – we have successfully facilitated dozens of apartment purchases for Russian citizens.

Cooperation with banks

We understand the requirements of the banks (Raiffeisen, OTP, Intesa, AIK) and know how to prepare documentation for foreigners.

Support in English and Serbian

Complete communication in English – no language barrier during negotiations, contracts, and the credit process.

Legal certainty

Contracts, land registry, taxes – we'll guide you from apartment reservation to property registration.

What does the procedure look like?

Through 4 clear steps, we reach the goal – your new flat in Serbia.

Initial consultation

Analyse your financial situation, bank selection and assessment of maximum credit.

Document preparation

Assistance in collecting proof of income from Russia, translations and notarisation.

Credit approval & sale and purchase

Submitting requests to the bank, negotiations, drafting preliminary agreements and contracts.

Registration in the land registry & receiving keys

Notarial deed, loan disbursement, mortgage registration and your property rights.

Tips and news

Follow our blogs on buying an apartment with a mortgage for Russian citizens in Serbia.

15th March 2026.

How to prove income from Russia for a mortgage in Serbia

A detailed guide to the documentation banks request from Russian citizens – employment certificates, bank statements, translations and certifications.

1 March 2026.

Tax on the transfer of absolute rights – what you need to know

Explanation of the 2% tax on the purchase of a flat, who pays it, deadlines, and how to avoid double taxation between Serbia and Russia.

20 February 2026.

Residence and credit – is a permit needed to buy a flat?

Do you need temporary residency to get a loan? How does the process work and what options are there for Russian citizens?.

All blogs

Česta pitanja (FAQ)

Everything you need to know about buying an apartment with a loan for Russian citizens.

Can a Russian citizen get a loan in Serbia?

Yes, with adequate documentation of income (from Russia or other sources) and opening an account in a Serbian bank. Our experience significantly increases the chances of approval.

Iako engleski može biti prikladan za komunikaciju s bankama i odvjetnicima u određenim situacijama, u mnogim zemljama i pravnim sustavima službeni jezik ili jezik potreban za službenu komunikaciju može se razlikovati. Na primjer: * **U Njemačkoj**, njemački je obično službeni jezik za pravne i financijske transakcije. * **U Francuskoj**, francuski je službeni jezik. * **U Španjolskoj**, španjolski (kastiljski) je službeni jezik, iako se u nekim regijama koriste i regionalni jezici poput katalonskog ili baskijskog. * **U Italiji**, talijanski je službeni jezik. * **U Kini**, mandarinski kineski je službeni jezik. * **U Japanu**, japanski je službeni jezik. Često, iako engleski mogu razumjeti i koristiti osoblje banaka i odvjetnici, posebno u međunarodnim gradovima ili tvrtkama, za **službene dokumente**, **legalan postupak** ili **obvezujuće ugovore** može se zahtijevati upotreba službenog jezika dotične zemlje. **Najbolje je provjeriti s konkretnom bankom ili odvjetničkim uredom s kojim namjeravate komunicirati kako biste utvrdili koji je jezik najprikladniji i/ili potreban.**

All communication will be in Serbian or English. We translate key documents for you and attend meetings so that you are fully informed.

How long does the entire process take from submitting an application to the purchase?

Usually 2-3 months, depending on the speed of documentation collection and the bank's decision. Our involvement makes the process more transparent and shorter.

Is it necessary to be physically present in Serbia during the procedure?

Presence is required to open an account and sign the contract, but we can guide you on how to arrange travel minimally twice. We can complete a lot of work via email and authorisation.

PM Advokati