economy
February 16, 2026
THE FINANCIAL ILLUSION OF FREEDOM! Vladimir Vasić explains on the show "Na ivici" how banks manage our money: No matter how you look at it
"If you are financially literate, then you are free enough."
TL;DR
- Measures from the National Bank of Serbia regarding interest rates on loans have expired, leading to slight increases in loan payments.
- The Euro's dominance in Serbian lending means fluctuations in EURIBOR significantly impact housing loan rates.
- Cash loans are prevalent in Serbia, often preferred by citizens for direct spending, despite high interest rates compared to savings.
- Citizens are advised to question the purpose of loans, viewing them as investments that create value rather than impulse purchases.
- Negotiating loan terms is crucial as interest rate differences can amount to significant sums over time.
- Serbia's capital market is underdeveloped, with banks dominating the financial sector, unlike developed economies with balanced financing structures.
- The development of corporate bonds is hindered by a lack of trust, demand, and an insufficient legislative framework.
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