economy
January 1, 2026
HITNO VAM TREBA NOVAC? IMATE LOŠU KREDITNU ISTORIJU: Evo šta banke stvarno gledaju!
Mnogi građani u Srbiji suočavaju se sa problemom zaduženja i otežanim pristupom novim kreditima, posebno nakon kašnjenja u otplati postojećih obaveza.
TL;DR
- Banks primarily assess the regularity of loan repayment, not just salary or previous loans.
- Even minor delays in payment are recorded in credit reports and can impact loan eligibility for up to a year.
- At least six to twelve months of timely payments are needed to qualify for new loans or refinancing.
- Recommended steps include setting up automatic payments, checking your credit report with the NBS, discussing options directly with a bank, being cautious of high-interest non-bank loans, and considering alternatives like family support or employer advances.
- A history of late payments doesn't mean a permanent blacklist but requires a period of financial discipline to rebuild trust.
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