Pametni finansijski i životni kalkulatori za Srbiju Ažurirano: 07.06.2026. | Valuta: RSD

Besplatan alat

Kalkulator stambenog kredita za Srbiju

Izračunajte ratu stambenog kredita, plan otplate, ukupnu kamatu i ukupne troškove sa učešćem (obrada, osiguranje, notar i procena). Uporedite više scenarija i odaberite održivu varijantu.

UC Ucesce
Popunite obavezna polja: Cena nekretnine, Učešće, Rok otplate, Kamata.

Nekretnina i valuta

Izaberite valutu u kojoj želite prikaz obračuna.
Koristi se za indikativni prikaz vrednosti u RSD.
Unesite cenu u izabranoj valuti.

Učešće i kredit

Tipicne vrednosti: 10%, 20%, 30%.
Ako unesete iznos, on ima prioritet nad procentom.
Ostavite 0 za automatski obračun.

Kamata i troškovi

Polja su validirana. Ako je neko obavezno polje prazno ili neispravno, prikazaćemo jasnu poruku.

Detaljna razrada obračuna

Iznos kredita 9.600.000,00 RSD
Učešće 2.400.000,00 RSD
Kamata 5,80% (fiksna)
Rok 30 godina
Ukupna kamata 10.678.185,00 RSD
Ukupno vracanje 20.278.185,00 RSD

Dodatni troškovi

Trošak obrade kredita 96.000,00 RSD (1,00%)
Osiguranje (ukupno) 0,00 RSD
Notarski troškovi 60.000,00 RSD
Procena vrednosti nekretnine 20.000,00 RSD
Svi dodatni troškovi 176.000,00 RSD

Valuta i kurs

Izabrana valuta RSD
Kurs 117,2000 RSD
Ukupan trošak kredita (indikativno) 20.454.185,00 RSD

Poređenje scenarija

Rok 20 godina 67.674,33 RSD Ukupno vracanje: 16.241.839,84 RSD
Rok 25 godina 60.684,62 RSD Ukupno vracanje: 18.205.384,72 RSD
Rok 30 godina 56.328,29 RSD Ukupno vracanje: 20.278.185,00 RSD
Učešće 10% 63.369,33 RSD Iznos kredita: 10.800.000,00 RSD
Učešće 20% 56.328,29 RSD Iznos kredita: 9.600.000,00 RSD
Učešće 30% 49.287,26 RSD Iznos kredita: 8.400.000,00 RSD

Plan otplate

Mesec Rata Kamata Glavnica Preostali dug
1 56.328,29 RSD 46.400,00 RSD 9.928,29 RSD 9.590.071,71 RSD
2 56.328,29 RSD 46.352,01 RSD 9.976,28 RSD 9.580.095,43 RSD
3 56.328,29 RSD 46.303,79 RSD 10.024,50 RSD 9.570.070,93 RSD
4 56.328,29 RSD 46.255,34 RSD 10.072,95 RSD 9.559.997,98 RSD
5 56.328,29 RSD 46.206,66 RSD 10.121,63 RSD 9.549.876,35 RSD
6 56.328,29 RSD 46.157,74 RSD 10.170,56 RSD 9.539.705,79 RSD
7 56.328,29 RSD 46.108,58 RSD 10.219,71 RSD 9.529.486,08 RSD
8 56.328,29 RSD 46.059,18 RSD 10.269,11 RSD 9.519.216,97 RSD
9 56.328,29 RSD 46.009,55 RSD 10.318,74 RSD 9.508.898,23 RSD
10 56.328,29 RSD 45.959,67 RSD 10.368,62 RSD 9.498.529,61 RSD
11 56.328,29 RSD 45.909,56 RSD 10.418,73 RSD 9.488.110,88 RSD
12 56.328,29 RSD 45.859,20 RSD 10.469,09 RSD 9.477.641,79 RSD
13 56.328,29 RSD 45.808,60 RSD 10.519,69 RSD 9.467.122,10 RSD
14 56.328,29 RSD 45.757,76 RSD 10.570,53 RSD 9.456.551,57 RSD
15 56.328,29 RSD 45.706,67 RSD 10.621,63 RSD 9.445.929,94 RSD
16 56.328,29 RSD 45.655,33 RSD 10.672,96 RSD 9.435.256,98 RSD
17 56.328,29 RSD 45.603,74 RSD 10.724,55 RSD 9.424.532,43 RSD
18 56.328,29 RSD 45.551,91 RSD 10.776,38 RSD 9.413.756,04 RSD
19 56.328,29 RSD 45.499,82 RSD 10.828,47 RSD 9.402.927,57 RSD
20 56.328,29 RSD 45.447,48 RSD 10.880,81 RSD 9.392.046,76 RSD
21 56.328,29 RSD 45.394,89 RSD 10.933,40 RSD 9.381.113,36 RSD
22 56.328,29 RSD 45.342,05 RSD 10.986,24 RSD 9.370.127,12 RSD
23 56.328,29 RSD 45.288,95 RSD 11.039,34 RSD 9.359.087,78 RSD
24 56.328,29 RSD 45.235,59 RSD 11.092,70 RSD 9.347.995,08 RSD
25 56.328,29 RSD 45.181,98 RSD 11.146,32 RSD 9.336.848,76 RSD
26 56.328,29 RSD 45.128,10 RSD 11.200,19 RSD 9.325.648,57 RSD
27 56.328,29 RSD 45.073,97 RSD 11.254,32 RSD 9.314.394,25 RSD
28 56.328,29 RSD 45.019,57 RSD 11.308,72 RSD 9.303.085,53 RSD
29 56.328,29 RSD 44.964,91 RSD 11.363,38 RSD 9.291.722,15 RSD
30 56.328,29 RSD 44.909,99 RSD 11.418,30 RSD 9.280.303,85 RSD
31 56.328,29 RSD 44.854,80 RSD 11.473,49 RSD 9.268.830,36 RSD
32 56.328,29 RSD 44.799,35 RSD 11.528,94 RSD 9.257.301,41 RSD
33 56.328,29 RSD 44.743,62 RSD 11.584,67 RSD 9.245.716,74 RSD
34 56.328,29 RSD 44.687,63 RSD 11.640,66 RSD 9.234.076,08 RSD
35 56.328,29 RSD 44.631,37 RSD 11.696,92 RSD 9.222.379,16 RSD
36 56.328,29 RSD 44.574,83 RSD 11.753,46 RSD 9.210.625,70 RSD
37 56.328,29 RSD 44.518,02 RSD 11.810,27 RSD 9.198.815,43 RSD
38 56.328,29 RSD 44.460,94 RSD 11.867,35 RSD 9.186.948,08 RSD
39 56.328,29 RSD 44.403,58 RSD 11.924,71 RSD 9.175.023,37 RSD
40 56.328,29 RSD 44.345,95 RSD 11.982,35 RSD 9.163.041,03 RSD
41 56.328,29 RSD 44.288,03 RSD 12.040,26 RSD 9.151.000,77 RSD
42 56.328,29 RSD 44.229,84 RSD 12.098,45 RSD 9.138.902,31 RSD
43 56.328,29 RSD 44.171,36 RSD 12.156,93 RSD 9.126.745,38 RSD
44 56.328,29 RSD 44.112,60 RSD 12.215,69 RSD 9.114.529,69 RSD
45 56.328,29 RSD 44.053,56 RSD 12.274,73 RSD 9.102.254,96 RSD
46 56.328,29 RSD 43.994,23 RSD 12.334,06 RSD 9.089.920,90 RSD
47 56.328,29 RSD 43.934,62 RSD 12.393,67 RSD 9.077.527,23 RSD
48 56.328,29 RSD 43.874,71 RSD 12.453,58 RSD 9.065.073,65 RSD
49 56.328,29 RSD 43.814,52 RSD 12.513,77 RSD 9.052.559,88 RSD
50 56.328,29 RSD 43.754,04 RSD 12.574,25 RSD 9.039.985,63 RSD
51 56.328,29 RSD 43.693,26 RSD 12.635,03 RSD 9.027.350,60 RSD
52 56.328,29 RSD 43.632,19 RSD 12.696,10 RSD 9.014.654,51 RSD
53 56.328,29 RSD 43.570,83 RSD 12.757,46 RSD 9.001.897,05 RSD
54 56.328,29 RSD 43.509,17 RSD 12.819,12 RSD 8.989.077,92 RSD
55 56.328,29 RSD 43.447,21 RSD 12.881,08 RSD 8.976.196,84 RSD
56 56.328,29 RSD 43.384,95 RSD 12.943,34 RSD 8.963.253,50 RSD
57 56.328,29 RSD 43.322,39 RSD 13.005,90 RSD 8.950.247,60 RSD
58 56.328,29 RSD 43.259,53 RSD 13.068,76 RSD 8.937.178,84 RSD
59 56.328,29 RSD 43.196,36 RSD 13.131,93 RSD 8.924.046,91 RSD
60 56.328,29 RSD 43.132,89 RSD 13.195,40 RSD 8.910.851,51 RSD
61 56.328,29 RSD 43.069,12 RSD 13.259,18 RSD 8.897.592,34 RSD
62 56.328,29 RSD 43.005,03 RSD 13.323,26 RSD 8.884.269,08 RSD
63 56.328,29 RSD 42.940,63 RSD 13.387,66 RSD 8.870.881,42 RSD
64 56.328,29 RSD 42.875,93 RSD 13.452,36 RSD 8.857.429,05 RSD
65 56.328,29 RSD 42.810,91 RSD 13.517,38 RSD 8.843.911,67 RSD
66 56.328,29 RSD 42.745,57 RSD 13.582,72 RSD 8.830.328,95 RSD
67 56.328,29 RSD 42.679,92 RSD 13.648,37 RSD 8.816.680,58 RSD
68 56.328,29 RSD 42.613,96 RSD 13.714,34 RSD 8.802.966,25 RSD
69 56.328,29 RSD 42.547,67 RSD 13.780,62 RSD 8.789.185,63 RSD
70 56.328,29 RSD 42.481,06 RSD 13.847,23 RSD 8.775.338,40 RSD
71 56.328,29 RSD 42.414,14 RSD 13.914,16 RSD 8.761.424,24 RSD
72 56.328,29 RSD 42.346,88 RSD 13.981,41 RSD 8.747.442,83 RSD
73 56.328,29 RSD 42.279,31 RSD 14.048,98 RSD 8.733.393,85 RSD
74 56.328,29 RSD 42.211,40 RSD 14.116,89 RSD 8.719.276,96 RSD
75 56.328,29 RSD 42.143,17 RSD 14.185,12 RSD 8.705.091,84 RSD
76 56.328,29 RSD 42.074,61 RSD 14.253,68 RSD 8.690.838,16 RSD
77 56.328,29 RSD 42.005,72 RSD 14.322,57 RSD 8.676.515,59 RSD
78 56.328,29 RSD 41.936,49 RSD 14.391,80 RSD 8.662.123,79 RSD
79 56.328,29 RSD 41.866,93 RSD 14.461,36 RSD 8.647.662,43 RSD
80 56.328,29 RSD 41.797,04 RSD 14.531,26 RSD 8.633.131,17 RSD
81 56.328,29 RSD 41.726,80 RSD 14.601,49 RSD 8.618.529,68 RSD
82 56.328,29 RSD 41.656,23 RSD 14.672,06 RSD 8.603.857,61 RSD
83 56.328,29 RSD 41.585,31 RSD 14.742,98 RSD 8.589.114,63 RSD
84 56.328,29 RSD 41.514,05 RSD 14.814,24 RSD 8.574.300,40 RSD
85 56.328,29 RSD 41.442,45 RSD 14.885,84 RSD 8.559.414,56 RSD
86 56.328,29 RSD 41.370,50 RSD 14.957,79 RSD 8.544.456,77 RSD
87 56.328,29 RSD 41.298,21 RSD 15.030,08 RSD 8.529.426,68 RSD
88 56.328,29 RSD 41.225,56 RSD 15.102,73 RSD 8.514.323,96 RSD
89 56.328,29 RSD 41.152,57 RSD 15.175,73 RSD 8.499.148,23 RSD
90 56.328,29 RSD 41.079,22 RSD 15.249,08 RSD 8.483.899,15 RSD
91 56.328,29 RSD 41.005,51 RSD 15.322,78 RSD 8.468.576,38 RSD
92 56.328,29 RSD 40.931,45 RSD 15.396,84 RSD 8.453.179,54 RSD
93 56.328,29 RSD 40.857,03 RSD 15.471,26 RSD 8.437.708,28 RSD
94 56.328,29 RSD 40.782,26 RSD 15.546,03 RSD 8.422.162,24 RSD
95 56.328,29 RSD 40.707,12 RSD 15.621,17 RSD 8.406.541,07 RSD
96 56.328,29 RSD 40.631,62 RSD 15.696,68 RSD 8.390.844,39 RSD
97 56.328,29 RSD 40.555,75 RSD 15.772,54 RSD 8.375.071,85 RSD
98 56.328,29 RSD 40.479,51 RSD 15.848,78 RSD 8.359.223,07 RSD
99 56.328,29 RSD 40.402,91 RSD 15.925,38 RSD 8.343.297,69 RSD
100 56.328,29 RSD 40.325,94 RSD 16.002,35 RSD 8.327.295,34 RSD
101 56.328,29 RSD 40.248,59 RSD 16.079,70 RSD 8.311.215,64 RSD
102 56.328,29 RSD 40.170,88 RSD 16.157,42 RSD 8.295.058,23 RSD
103 56.328,29 RSD 40.092,78 RSD 16.235,51 RSD 8.278.822,72 RSD
104 56.328,29 RSD 40.014,31 RSD 16.313,98 RSD 8.262.508,73 RSD
105 56.328,29 RSD 39.935,46 RSD 16.392,83 RSD 8.246.115,90 RSD
106 56.328,29 RSD 39.856,23 RSD 16.472,06 RSD 8.229.643,84 RSD
107 56.328,29 RSD 39.776,61 RSD 16.551,68 RSD 8.213.092,16 RSD
108 56.328,29 RSD 39.696,61 RSD 16.631,68 RSD 8.196.460,48 RSD
109 56.328,29 RSD 39.616,23 RSD 16.712,07 RSD 8.179.748,41 RSD
110 56.328,29 RSD 39.535,45 RSD 16.792,84 RSD 8.162.955,57 RSD
111 56.328,29 RSD 39.454,29 RSD 16.874,01 RSD 8.146.081,56 RSD
112 56.328,29 RSD 39.372,73 RSD 16.955,56 RSD 8.129.126,00 RSD
113 56.328,29 RSD 39.290,78 RSD 17.037,52 RSD 8.112.088,48 RSD
114 56.328,29 RSD 39.208,43 RSD 17.119,86 RSD 8.094.968,62 RSD
115 56.328,29 RSD 39.125,68 RSD 17.202,61 RSD 8.077.766,01 RSD
116 56.328,29 RSD 39.042,54 RSD 17.285,76 RSD 8.060.480,25 RSD
117 56.328,29 RSD 38.958,99 RSD 17.369,30 RSD 8.043.110,95 RSD
118 56.328,29 RSD 38.875,04 RSD 17.453,26 RSD 8.025.657,69 RSD
119 56.328,29 RSD 38.790,68 RSD 17.537,61 RSD 8.008.120,08 RSD
120 56.328,29 RSD 38.705,91 RSD 17.622,38 RSD 7.990.497,70 RSD
121 56.328,29 RSD 38.620,74 RSD 17.707,55 RSD 7.972.790,15 RSD
122 56.328,29 RSD 38.535,15 RSD 17.793,14 RSD 7.954.997,01 RSD
123 56.328,29 RSD 38.449,15 RSD 17.879,14 RSD 7.937.117,87 RSD
124 56.328,29 RSD 38.362,74 RSD 17.965,56 RSD 7.919.152,32 RSD
125 56.328,29 RSD 38.275,90 RSD 18.052,39 RSD 7.901.099,93 RSD
126 56.328,29 RSD 38.188,65 RSD 18.139,64 RSD 7.882.960,29 RSD
127 56.328,29 RSD 38.100,97 RSD 18.227,32 RSD 7.864.732,97 RSD
128 56.328,29 RSD 38.012,88 RSD 18.315,42 RSD 7.846.417,55 RSD
129 56.328,29 RSD 37.924,35 RSD 18.403,94 RSD 7.828.013,61 RSD
130 56.328,29 RSD 37.835,40 RSD 18.492,89 RSD 7.809.520,72 RSD
131 56.328,29 RSD 37.746,02 RSD 18.582,27 RSD 7.790.938,45 RSD
132 56.328,29 RSD 37.656,20 RSD 18.672,09 RSD 7.772.266,36 RSD
133 56.328,29 RSD 37.565,95 RSD 18.762,34 RSD 7.753.504,02 RSD
134 56.328,29 RSD 37.475,27 RSD 18.853,02 RSD 7.734.651,00 RSD
135 56.328,29 RSD 37.384,15 RSD 18.944,15 RSD 7.715.706,85 RSD
136 56.328,29 RSD 37.292,58 RSD 19.035,71 RSD 7.696.671,14 RSD
137 56.328,29 RSD 37.200,58 RSD 19.127,71 RSD 7.677.543,43 RSD
138 56.328,29 RSD 37.108,13 RSD 19.220,17 RSD 7.658.323,26 RSD
139 56.328,29 RSD 37.015,23 RSD 19.313,06 RSD 7.639.010,20 RSD
140 56.328,29 RSD 36.921,88 RSD 19.406,41 RSD 7.619.603,79 RSD
141 56.328,29 RSD 36.828,08 RSD 19.500,21 RSD 7.600.103,58 RSD
142 56.328,29 RSD 36.733,83 RSD 19.594,46 RSD 7.580.509,13 RSD
143 56.328,29 RSD 36.639,13 RSD 19.689,16 RSD 7.560.819,96 RSD
144 56.328,29 RSD 36.543,96 RSD 19.784,33 RSD 7.541.035,63 RSD
145 56.328,29 RSD 36.448,34 RSD 19.879,95 RSD 7.521.155,68 RSD
146 56.328,29 RSD 36.352,25 RSD 19.976,04 RSD 7.501.179,64 RSD
147 56.328,29 RSD 36.255,70 RSD 20.072,59 RSD 7.481.107,05 RSD
148 56.328,29 RSD 36.158,68 RSD 20.169,61 RSD 7.460.937,45 RSD
149 56.328,29 RSD 36.061,20 RSD 20.267,09 RSD 7.440.670,35 RSD
150 56.328,29 RSD 35.963,24 RSD 20.365,05 RSD 7.420.305,30 RSD
151 56.328,29 RSD 35.864,81 RSD 20.463,48 RSD 7.399.841,82 RSD
152 56.328,29 RSD 35.765,90 RSD 20.562,39 RSD 7.379.279,43 RSD
153 56.328,29 RSD 35.666,52 RSD 20.661,77 RSD 7.358.617,65 RSD
154 56.328,29 RSD 35.566,65 RSD 20.761,64 RSD 7.337.856,01 RSD
155 56.328,29 RSD 35.466,30 RSD 20.861,99 RSD 7.316.994,03 RSD
156 56.328,29 RSD 35.365,47 RSD 20.962,82 RSD 7.296.031,20 RSD
157 56.328,29 RSD 35.264,15 RSD 21.064,14 RSD 7.274.967,06 RSD
158 56.328,29 RSD 35.162,34 RSD 21.165,95 RSD 7.253.801,11 RSD
159 56.328,29 RSD 35.060,04 RSD 21.268,25 RSD 7.232.532,86 RSD
160 56.328,29 RSD 34.957,24 RSD 21.371,05 RSD 7.211.161,81 RSD
161 56.328,29 RSD 34.853,95 RSD 21.474,34 RSD 7.189.687,47 RSD
162 56.328,29 RSD 34.750,16 RSD 21.578,14 RSD 7.168.109,33 RSD
163 56.328,29 RSD 34.645,86 RSD 21.682,43 RSD 7.146.426,90 RSD
164 56.328,29 RSD 34.541,06 RSD 21.787,23 RSD 7.124.639,67 RSD
165 56.328,29 RSD 34.435,76 RSD 21.892,53 RSD 7.102.747,14 RSD
166 56.328,29 RSD 34.329,94 RSD 21.998,35 RSD 7.080.748,79 RSD
167 56.328,29 RSD 34.223,62 RSD 22.104,67 RSD 7.058.644,12 RSD
168 56.328,29 RSD 34.116,78 RSD 22.211,51 RSD 7.036.432,61 RSD
169 56.328,29 RSD 34.009,42 RSD 22.318,87 RSD 7.014.113,74 RSD
170 56.328,29 RSD 33.901,55 RSD 22.426,74 RSD 6.991.687,00 RSD
171 56.328,29 RSD 33.793,15 RSD 22.535,14 RSD 6.969.151,86 RSD
172 56.328,29 RSD 33.684,23 RSD 22.644,06 RSD 6.946.507,80 RSD
173 56.328,29 RSD 33.574,79 RSD 22.753,50 RSD 6.923.754,30 RSD
174 56.328,29 RSD 33.464,81 RSD 22.863,48 RSD 6.900.890,82 RSD
175 56.328,29 RSD 33.354,31 RSD 22.973,99 RSD 6.877.916,84 RSD
176 56.328,29 RSD 33.243,26 RSD 23.085,03 RSD 6.854.831,81 RSD
177 56.328,29 RSD 33.131,69 RSD 23.196,60 RSD 6.831.635,20 RSD
178 56.328,29 RSD 33.019,57 RSD 23.308,72 RSD 6.808.326,48 RSD
179 56.328,29 RSD 32.906,91 RSD 23.421,38 RSD 6.784.905,10 RSD
180 56.328,29 RSD 32.793,71 RSD 23.534,58 RSD 6.761.370,52 RSD
181 56.328,29 RSD 32.679,96 RSD 23.648,33 RSD 6.737.722,18 RSD
182 56.328,29 RSD 32.565,66 RSD 23.762,63 RSD 6.713.959,55 RSD
183 56.328,29 RSD 32.450,80 RSD 23.877,49 RSD 6.690.082,06 RSD
184 56.328,29 RSD 32.335,40 RSD 23.992,90 RSD 6.666.089,17 RSD
185 56.328,29 RSD 32.219,43 RSD 24.108,86 RSD 6.641.980,31 RSD
186 56.328,29 RSD 32.102,90 RSD 24.225,39 RSD 6.617.754,92 RSD
187 56.328,29 RSD 31.985,82 RSD 24.342,48 RSD 6.593.412,44 RSD
188 56.328,29 RSD 31.868,16 RSD 24.460,13 RSD 6.568.952,31 RSD
189 56.328,29 RSD 31.749,94 RSD 24.578,36 RSD 6.544.373,96 RSD
190 56.328,29 RSD 31.631,14 RSD 24.697,15 RSD 6.519.676,81 RSD
191 56.328,29 RSD 31.511,77 RSD 24.816,52 RSD 6.494.860,29 RSD
192 56.328,29 RSD 31.391,82 RSD 24.936,47 RSD 6.469.923,82 RSD
193 56.328,29 RSD 31.271,30 RSD 25.056,99 RSD 6.444.866,83 RSD
194 56.328,29 RSD 31.150,19 RSD 25.178,10 RSD 6.419.688,72 RSD
195 56.328,29 RSD 31.028,50 RSD 25.299,80 RSD 6.394.388,93 RSD
196 56.328,29 RSD 30.906,21 RSD 25.422,08 RSD 6.368.966,85 RSD
197 56.328,29 RSD 30.783,34 RSD 25.544,95 RSD 6.343.421,90 RSD
198 56.328,29 RSD 30.659,87 RSD 25.668,42 RSD 6.317.753,48 RSD
199 56.328,29 RSD 30.535,81 RSD 25.792,48 RSD 6.291.960,99 RSD
200 56.328,29 RSD 30.411,14 RSD 25.917,15 RSD 6.266.043,85 RSD
201 56.328,29 RSD 30.285,88 RSD 26.042,41 RSD 6.240.001,44 RSD
202 56.328,29 RSD 30.160,01 RSD 26.168,28 RSD 6.213.833,15 RSD
203 56.328,29 RSD 30.033,53 RSD 26.294,76 RSD 6.187.538,39 RSD
204 56.328,29 RSD 29.906,44 RSD 26.421,86 RSD 6.161.116,53 RSD
205 56.328,29 RSD 29.778,73 RSD 26.549,56 RSD 6.134.566,97 RSD
206 56.328,29 RSD 29.650,41 RSD 26.677,88 RSD 6.107.889,08 RSD
207 56.328,29 RSD 29.521,46 RSD 26.806,83 RSD 6.081.082,26 RSD
208 56.328,29 RSD 29.391,90 RSD 26.936,39 RSD 6.054.145,86 RSD
209 56.328,29 RSD 29.261,70 RSD 27.066,59 RSD 6.027.079,27 RSD
210 56.328,29 RSD 29.130,88 RSD 27.197,41 RSD 5.999.881,87 RSD
211 56.328,29 RSD 28.999,43 RSD 27.328,86 RSD 5.972.553,00 RSD
212 56.328,29 RSD 28.867,34 RSD 27.460,95 RSD 5.945.092,05 RSD
213 56.328,29 RSD 28.734,61 RSD 27.593,68 RSD 5.917.498,37 RSD
214 56.328,29 RSD 28.601,24 RSD 27.727,05 RSD 5.889.771,32 RSD
215 56.328,29 RSD 28.467,23 RSD 27.861,06 RSD 5.861.910,26 RSD
216 56.328,29 RSD 28.332,57 RSD 27.995,73 RSD 5.833.914,53 RSD
217 56.328,29 RSD 28.197,25 RSD 28.131,04 RSD 5.805.783,49 RSD
218 56.328,29 RSD 28.061,29 RSD 28.267,00 RSD 5.777.516,49 RSD
219 56.328,29 RSD 27.924,66 RSD 28.403,63 RSD 5.749.112,86 RSD
220 56.328,29 RSD 27.787,38 RSD 28.540,91 RSD 5.720.571,95 RSD
221 56.328,29 RSD 27.649,43 RSD 28.678,86 RSD 5.691.893,09 RSD
222 56.328,29 RSD 27.510,82 RSD 28.817,48 RSD 5.663.075,61 RSD
223 56.328,29 RSD 27.371,53 RSD 28.956,76 RSD 5.634.118,85 RSD
224 56.328,29 RSD 27.231,57 RSD 29.096,72 RSD 5.605.022,14 RSD
225 56.328,29 RSD 27.090,94 RSD 29.237,35 RSD 5.575.784,78 RSD
226 56.328,29 RSD 26.949,63 RSD 29.378,67 RSD 5.546.406,12 RSD
227 56.328,29 RSD 26.807,63 RSD 29.520,66 RSD 5.516.885,46 RSD
228 56.328,29 RSD 26.664,95 RSD 29.663,35 RSD 5.487.222,11 RSD
229 56.328,29 RSD 26.521,57 RSD 29.806,72 RSD 5.457.415,39 RSD
230 56.328,29 RSD 26.377,51 RSD 29.950,78 RSD 5.427.464,61 RSD
231 56.328,29 RSD 26.232,75 RSD 30.095,55 RSD 5.397.369,06 RSD
232 56.328,29 RSD 26.087,28 RSD 30.241,01 RSD 5.367.128,06 RSD
233 56.328,29 RSD 25.941,12 RSD 30.387,17 RSD 5.336.740,88 RSD
234 56.328,29 RSD 25.794,25 RSD 30.534,04 RSD 5.306.206,84 RSD
235 56.328,29 RSD 25.646,67 RSD 30.681,63 RSD 5.275.525,21 RSD
236 56.328,29 RSD 25.498,37 RSD 30.829,92 RSD 5.244.695,29 RSD
237 56.328,29 RSD 25.349,36 RSD 30.978,93 RSD 5.213.716,36 RSD
238 56.328,29 RSD 25.199,63 RSD 31.128,66 RSD 5.182.587,70 RSD
239 56.328,29 RSD 25.049,17 RSD 31.279,12 RSD 5.151.308,58 RSD
240 56.328,29 RSD 24.897,99 RSD 31.430,30 RSD 5.119.878,28 RSD
241 56.328,29 RSD 24.746,08 RSD 31.582,21 RSD 5.088.296,07 RSD
242 56.328,29 RSD 24.593,43 RSD 31.734,86 RSD 5.056.561,21 RSD
243 56.328,29 RSD 24.440,05 RSD 31.888,25 RSD 5.024.672,96 RSD
244 56.328,29 RSD 24.285,92 RSD 32.042,37 RSD 4.992.630,59 RSD
245 56.328,29 RSD 24.131,05 RSD 32.197,24 RSD 4.960.433,35 RSD
246 56.328,29 RSD 23.975,43 RSD 32.352,86 RSD 4.928.080,48 RSD
247 56.328,29 RSD 23.819,06 RSD 32.509,24 RSD 4.895.571,25 RSD
248 56.328,29 RSD 23.661,93 RSD 32.666,36 RSD 4.862.904,88 RSD
249 56.328,29 RSD 23.504,04 RSD 32.824,25 RSD 4.830.080,63 RSD
250 56.328,29 RSD 23.345,39 RSD 32.982,90 RSD 4.797.097,73 RSD
251 56.328,29 RSD 23.185,97 RSD 33.142,32 RSD 4.763.955,41 RSD
252 56.328,29 RSD 23.025,78 RSD 33.302,51 RSD 4.730.652,90 RSD
253 56.328,29 RSD 22.864,82 RSD 33.463,47 RSD 4.697.189,43 RSD
254 56.328,29 RSD 22.703,08 RSD 33.625,21 RSD 4.663.564,22 RSD
255 56.328,29 RSD 22.540,56 RSD 33.787,73 RSD 4.629.776,49 RSD
256 56.328,29 RSD 22.377,25 RSD 33.951,04 RSD 4.595.825,45 RSD
257 56.328,29 RSD 22.213,16 RSD 34.115,14 RSD 4.561.710,32 RSD
258 56.328,29 RSD 22.048,27 RSD 34.280,03 RSD 4.527.430,29 RSD
259 56.328,29 RSD 21.882,58 RSD 34.445,71 RSD 4.492.984,58 RSD
260 56.328,29 RSD 21.716,09 RSD 34.612,20 RSD 4.458.372,38 RSD
261 56.328,29 RSD 21.548,80 RSD 34.779,49 RSD 4.423.592,89 RSD
262 56.328,29 RSD 21.380,70 RSD 34.947,59 RSD 4.388.645,30 RSD
263 56.328,29 RSD 21.211,79 RSD 35.116,51 RSD 4.353.528,79 RSD
264 56.328,29 RSD 21.042,06 RSD 35.286,24 RSD 4.318.242,56 RSD
265 56.328,29 RSD 20.871,51 RSD 35.456,79 RSD 4.282.785,77 RSD
266 56.328,29 RSD 20.700,13 RSD 35.628,16 RSD 4.247.157,61 RSD
267 56.328,29 RSD 20.527,93 RSD 35.800,36 RSD 4.211.357,25 RSD
268 56.328,29 RSD 20.354,89 RSD 35.973,40 RSD 4.175.383,85 RSD
269 56.328,29 RSD 20.181,02 RSD 36.147,27 RSD 4.139.236,58 RSD
270 56.328,29 RSD 20.006,31 RSD 36.321,98 RSD 4.102.914,60 RSD
271 56.328,29 RSD 19.830,75 RSD 36.497,54 RSD 4.066.417,06 RSD
272 56.328,29 RSD 19.654,35 RSD 36.673,94 RSD 4.029.743,12 RSD
273 56.328,29 RSD 19.477,09 RSD 36.851,20 RSD 3.992.891,92 RSD
274 56.328,29 RSD 19.298,98 RSD 37.029,31 RSD 3.955.862,60 RSD
275 56.328,29 RSD 19.120,00 RSD 37.208,29 RSD 3.918.654,31 RSD
276 56.328,29 RSD 18.940,16 RSD 37.388,13 RSD 3.881.266,19 RSD
277 56.328,29 RSD 18.759,45 RSD 37.568,84 RSD 3.843.697,35 RSD
278 56.328,29 RSD 18.577,87 RSD 37.750,42 RSD 3.805.946,93 RSD
279 56.328,29 RSD 18.395,41 RSD 37.932,88 RSD 3.768.014,04 RSD
280 56.328,29 RSD 18.212,07 RSD 38.116,22 RSD 3.729.897,82 RSD
281 56.328,29 RSD 18.027,84 RSD 38.300,45 RSD 3.691.597,37 RSD
282 56.328,29 RSD 17.842,72 RSD 38.485,57 RSD 3.653.111,80 RSD
283 56.328,29 RSD 17.656,71 RSD 38.671,58 RSD 3.614.440,21 RSD
284 56.328,29 RSD 17.469,79 RSD 38.858,50 RSD 3.575.581,72 RSD
285 56.328,29 RSD 17.281,98 RSD 39.046,31 RSD 3.536.535,40 RSD
286 56.328,29 RSD 17.093,25 RSD 39.235,04 RSD 3.497.300,36 RSD
287 56.328,29 RSD 16.903,62 RSD 39.424,67 RSD 3.457.875,69 RSD
288 56.328,29 RSD 16.713,07 RSD 39.615,23 RSD 3.418.260,47 RSD
289 56.328,29 RSD 16.521,59 RSD 39.806,70 RSD 3.378.453,77 RSD
290 56.328,29 RSD 16.329,19 RSD 39.999,10 RSD 3.338.454,67 RSD
291 56.328,29 RSD 16.135,86 RSD 40.192,43 RSD 3.298.262,24 RSD
292 56.328,29 RSD 15.941,60 RSD 40.386,69 RSD 3.257.875,55 RSD
293 56.328,29 RSD 15.746,40 RSD 40.581,89 RSD 3.217.293,66 RSD
294 56.328,29 RSD 15.550,25 RSD 40.778,04 RSD 3.176.515,62 RSD
295 56.328,29 RSD 15.353,16 RSD 40.975,13 RSD 3.135.540,48 RSD
296 56.328,29 RSD 15.155,11 RSD 41.173,18 RSD 3.094.367,30 RSD
297 56.328,29 RSD 14.956,11 RSD 41.372,18 RSD 3.052.995,12 RSD
298 56.328,29 RSD 14.756,14 RSD 41.572,15 RSD 3.011.422,97 RSD
299 56.328,29 RSD 14.555,21 RSD 41.773,08 RSD 2.969.649,89 RSD
300 56.328,29 RSD 14.353,31 RSD 41.974,98 RSD 2.927.674,91 RSD
301 56.328,29 RSD 14.150,43 RSD 42.177,86 RSD 2.885.497,05 RSD
302 56.328,29 RSD 13.946,57 RSD 42.381,72 RSD 2.843.115,32 RSD
303 56.328,29 RSD 13.741,72 RSD 42.586,57 RSD 2.800.528,76 RSD
304 56.328,29 RSD 13.535,89 RSD 42.792,40 RSD 2.757.736,35 RSD
305 56.328,29 RSD 13.329,06 RSD 42.999,23 RSD 2.714.737,12 RSD
306 56.328,29 RSD 13.121,23 RSD 43.207,06 RSD 2.671.530,06 RSD
307 56.328,29 RSD 12.912,40 RSD 43.415,90 RSD 2.628.114,16 RSD
308 56.328,29 RSD 12.702,55 RSD 43.625,74 RSD 2.584.488,42 RSD
309 56.328,29 RSD 12.491,69 RSD 43.836,60 RSD 2.540.651,82 RSD
310 56.328,29 RSD 12.279,82 RSD 44.048,47 RSD 2.496.603,35 RSD
311 56.328,29 RSD 12.066,92 RSD 44.261,38 RSD 2.452.341,97 RSD
312 56.328,29 RSD 11.852,99 RSD 44.475,31 RSD 2.407.866,67 RSD
313 56.328,29 RSD 11.638,02 RSD 44.690,27 RSD 2.363.176,40 RSD
314 56.328,29 RSD 11.422,02 RSD 44.906,27 RSD 2.318.270,13 RSD
315 56.328,29 RSD 11.204,97 RSD 45.123,32 RSD 2.273.146,81 RSD
316 56.328,29 RSD 10.986,88 RSD 45.341,42 RSD 2.227.805,39 RSD
317 56.328,29 RSD 10.767,73 RSD 45.560,57 RSD 2.182.244,83 RSD
318 56.328,29 RSD 10.547,52 RSD 45.780,77 RSD 2.136.464,05 RSD
319 56.328,29 RSD 10.326,24 RSD 46.002,05 RSD 2.090.462,00 RSD
320 56.328,29 RSD 10.103,90 RSD 46.224,39 RSD 2.044.237,61 RSD
321 56.328,29 RSD 9.880,48 RSD 46.447,81 RSD 1.997.789,80 RSD
322 56.328,29 RSD 9.655,98 RSD 46.672,31 RSD 1.951.117,49 RSD
323 56.328,29 RSD 9.430,40 RSD 46.897,89 RSD 1.904.219,60 RSD
324 56.328,29 RSD 9.203,73 RSD 47.124,56 RSD 1.857.095,04 RSD
325 56.328,29 RSD 8.975,96 RSD 47.352,33 RSD 1.809.742,71 RSD
326 56.328,29 RSD 8.747,09 RSD 47.581,20 RSD 1.762.161,51 RSD
327 56.328,29 RSD 8.517,11 RSD 47.811,18 RSD 1.714.350,33 RSD
328 56.328,29 RSD 8.286,03 RSD 48.042,27 RSD 1.666.308,06 RSD
329 56.328,29 RSD 8.053,82 RSD 48.274,47 RSD 1.618.033,59 RSD
330 56.328,29 RSD 7.820,50 RSD 48.507,80 RSD 1.569.525,80 RSD
331 56.328,29 RSD 7.586,04 RSD 48.742,25 RSD 1.520.783,55 RSD
332 56.328,29 RSD 7.350,45 RSD 48.977,84 RSD 1.471.805,71 RSD
333 56.328,29 RSD 7.113,73 RSD 49.214,56 RSD 1.422.591,15 RSD
334 56.328,29 RSD 6.875,86 RSD 49.452,43 RSD 1.373.138,71 RSD
335 56.328,29 RSD 6.636,84 RSD 49.691,45 RSD 1.323.447,26 RSD
336 56.328,29 RSD 6.396,66 RSD 49.931,63 RSD 1.273.515,63 RSD
337 56.328,29 RSD 6.155,33 RSD 50.172,97 RSD 1.223.342,66 RSD
338 56.328,29 RSD 5.912,82 RSD 50.415,47 RSD 1.172.927,19 RSD
339 56.328,29 RSD 5.669,15 RSD 50.659,14 RSD 1.122.268,05 RSD
340 56.328,29 RSD 5.424,30 RSD 50.904,00 RSD 1.071.364,05 RSD
341 56.328,29 RSD 5.178,26 RSD 51.150,03 RSD 1.020.214,02 RSD
342 56.328,29 RSD 4.931,03 RSD 51.397,26 RSD 968.816,76 RSD
343 56.328,29 RSD 4.682,61 RSD 51.645,68 RSD 917.171,09 RSD
344 56.328,29 RSD 4.432,99 RSD 51.895,30 RSD 865.275,79 RSD
345 56.328,29 RSD 4.182,17 RSD 52.146,13 RSD 813.129,66 RSD
346 56.328,29 RSD 3.930,13 RSD 52.398,16 RSD 760.731,50 RSD
347 56.328,29 RSD 3.676,87 RSD 52.651,42 RSD 708.080,07 RSD
348 56.328,29 RSD 3.422,39 RSD 52.905,90 RSD 655.174,17 RSD
349 56.328,29 RSD 3.166,68 RSD 53.161,62 RSD 602.012,55 RSD
350 56.328,29 RSD 2.909,73 RSD 53.418,56 RSD 548.593,99 RSD
351 56.328,29 RSD 2.651,54 RSD 53.676,75 RSD 494.917,23 RSD
352 56.328,29 RSD 2.392,10 RSD 53.936,19 RSD 440.981,04 RSD
353 56.328,29 RSD 2.131,41 RSD 54.196,88 RSD 386.784,16 RSD
354 56.328,29 RSD 1.869,46 RSD 54.458,83 RSD 332.325,32 RSD
355 56.328,29 RSD 1.606,24 RSD 54.722,05 RSD 277.603,27 RSD
356 56.328,29 RSD 1.341,75 RSD 54.986,54 RSD 222.616,73 RSD
357 56.328,29 RSD 1.075,98 RSD 55.252,31 RSD 167.364,42 RSD
358 56.328,29 RSD 808,93 RSD 55.519,36 RSD 111.845,06 RSD
359 56.328,29 RSD 540,58 RSD 55.787,71 RSD 56.057,35 RSD
360 56.328,29 RSD 270,94 RSD 56.057,35 RSD 0,00 RSD

Šta znači ovaj kredit?

Ovaj obračun pokazuje koliko kredit stvarno kosta kroz ceo period, ne samo kolika je početna rata.

Dužina roka snizava mesecnu ratu, ali znacajno povećava ukupnu kamatu koju placate banci.

Veće učešće smanjuje glavni dug, pa se kroz isti rok placa manje kamate i ukupan trošak je nizi.

Kod promenljive kamate mesečna rata može rasti ili padati tokom vremena, pa planirajte sigurnosnu rezervu.

Kako se računa

Kalkulator stambenog kredita računa mesecnu ratu anuitetnom formulom, plan otplate, ukupnu kamatu i ukupne troškove sa naknadama.

Na šta obratiti pažnju

  • Dodatni troškovi (obrada, osiguranje, notar, procena) mogu znacajno povecati ukupan trošak.
  • Dužina roka snizava ratu, ali povećava ukupno placenu kamatu.
  • Kod promenljive kamate rezultat je indikativan i treba testirati više scenarija.

Korisni saveti

  • Povećajte učešće kad god je moguće da biste smanjili glavni dug i ukupnu kamatu.
  • Uporedite rate za 20, 25 i 30 godina pre finalne odluke.
  • Posmatrajte EKS i ukupne troškove, ne samo nominalnu kamatu i mesecnu ratu.
Kalkulator stambenog kredita daje informativnu procenu i ne zamenjuje bankarsku ponudu.

Kalkulator stambenog kredita za Srbiju

Ako trazite precizan kalkulator stambenog kredita, ova stranica je napravljena da pruzi vise od osnovne procene rate. Pored mesecne rate dobijate i kompletan prikaz: iznos kredita, visinu ucesca, ukupnu kamatu, ukupno vracanje i sve kljucne pratece troskove (obrada, osiguranje, notar i procena vrednosti nekretnine). To znaci da odmah vidite koliko vas kredit realno kosta od prvog dana do poslednje rate.

Ovaj kalkulator rate stambenog kredita sa ucescem podrzava rad u RSD i EUR valuti, uz unos kursa kada analizirate kredit u evrima. Posebno je koristan za poredjenje scenarija: rok otplate 20, 25 ili 30 godina, kao i ucesce 10%, 20% ili 30%. Na jednom mestu mozete da vidite kako svaka promena utice na mesecnu ratu i ukupni trosak kredita.

Kako se racuna stambeni kredit

Za anuitetni model otplate koristi se formula: rata = glavnica * r / (1 - (1 + r)^-n), gde je r mesecna kamatna stopa, a n broj mesecnih rata. Ukupna kamata je razlika izmedju ukupno placenih rata i pocetne glavnice, dok ukupan trosak kredita ukljucuje i sve dodatne naknade.

Na sta obratiti paznju pre odluke

Ne gledajte samo visinu rate. Uporedite i efektivnu kamatnu stopu (EKS), jer ona najbolje pokazuje ukupno opterecenje kredita. Duzi rok smanjuje ratu, ali cesto znacajno povecava ukupan iznos kamate. Vece ucesce obicno smanjuje i ratu i ukupnu kamatu, pa je u vecini slucajeva finansijski povoljnije.

Zakljucak: najbolji stambeni kredit nije samo kredit sa najnizom ratom, vec kredit koji je dugorocno odrziv za vas budzet i ukljucuje jasnu sliku svih troskova. Zato ovaj kalkulator koristite za realno planiranje, testirajte vise varijanti i tek onda donosite odluku.

Često postavljena pitanja

Mesečna rata se najčešće računa anuitetnom formulom i zavisi od iznosa kredita, kamatne stope i broja meseci otplate.

Anuitet je fiksna mesečna rata kod koje se kroz vreme menja odnos kamate i glavnice.

EKS uključuje nominalnu kamatu i pratece troškove kredita, pa realnije prikazuje ukupno opterecenje.

Veće učešće smanjuje iznos kredita, često smanjuje ratu i ukupnu kamatu kroz ceo period otplate.

Fiksna kamata daje stabilniju ratu, dok promenljiva može biti niza ili visa u zavisnosti od trzisnih uslova.

Pored rate, obratite paznju na obradu kredita, osiguranje, notarske troškove i procenu vrednosti nekretnine.

Povezani članci

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