Lafarge My Home Loans

Credit for the purchase of construction materials in warehouses

BUILD, COMPLETE THE CONSTRUCTION STARTED, RENOVATE

My Home Loans are intended for the purchase of construction materials, primarily Lafarge products – cement, cement binders and concrete, but also other materials necessary for construction work. They are granted at warehouses throughout Serbia with which Lafarge cooperates.

My Home loans are without interest or with minimal commissions, which can be seen in a representative example at the bottom of the page. The condition for approval of My Home loan is the purchase of at least 20% of Lafarge products, while the rest of the amount can be spent on the remaining assortment from the warehouse.

A special benefit for My Home Loan users is the simplified loan grant procedure – a loan is granted at the warehouse, without going to a bank branch. The loan processing procedure itself usually takes less than two hours, with the minimum documentation that needs to be provided – pro forma invoice, ID card, loan application and garnishment, while the oldest citizens enclose the last pension check. The curiosity of this Lafarge & OTP bank offer is the specific categories of clients – flat rate taxpayers and foreign retirees, who in the conditions of the domestic market can very rarely count on similar benefits when buying.

Lafarge My Home Loans are:
  • RSD loans
  • With a fixed interest rate
  • No deposit
  • No processing costs
  • No obligation to transfer earnings
  • Loans are granted directly at the warehouses, without going to a bank branch
  • Loan approval in just two hours
  • The repayment period may be 6, 12, 24, 36 and 48 months
  • Loans with a repayment period of 6 and 12 months are completely exempt from interest and approval costs
  • Loans are granted in dinars, in the amount to 800,000 dinars, and the monthly instalment is the same during the entire repayment period

For end customers, who will be 70 to 75 years old at the time of repayment of the last instalment of the loan, loans are granted under the following conditions:

  • Loan repayment period is 12 months
  • The maximum loan amount is RSD 100,000
  • Domestic retirees
  • There is an obligation to pay administrative costs in the amount of 2.95%, which will be calculated and paid in equal instalments with each monthly instalment.

Necessary documentation for applying for a loan:

  • ID card
  • Certified certificate of income (for employees)
  • Last pension cheque (for pensioners)

Loans

Contact

Ognjen ČOLIĆ
+381 62 486 717
ognjen.colic@lafarge.com

Representative examples of My Home loan with a fixed interest rate.

REPAYMENT PERIOD

06/months

  • RSD 100,000.00
  • 0% Nominal interest rate
  • Loan processing fee 0%
  • 0% Nominal interest rate
  • Instalment amount RSD 16,666.67
  • The total amount to be repaid by the client is RSD 100,000.00

REPAYMENT PERIOD

12/months

  • RSD 100,000.00
  • 0% Nominal interest rate
  • Loan processing fee 0%
  • 0% Nominal interest rate
  • Instalment amount RSD 8,333.33
  • The total amount to be repaid by the client is RSD 100,000.00

REPAYMENT PERIOD

24/months

  • RSD 100,000.00
  • 6.0% Nominal interest rate
  • Loan processing fee 0%
  • 6.26% Nominal interest rate
  • Instalment amount RSD 4,436.58
  • The total amount to be repaid by the client is RSD 106,477.88

REPAYMENT PERIOD

36/months

  • RSD 100,000.00
  • 8.3% Nominal interest rate
  • Loan processing fee 0%
  • 8.75% Nominal interest rate
  • Instalment amount RSD 3,153.57
  • The total amount to be repaid by the client is RSD 113,528.69

REPAYMENT PERIOD

48/months

  • RSD 100,000.00
  • 9.3% Nominal interest rate
  • Loan processing fee 0%
  • 9.85% Nominal interest rate
  • Instalment amount RSD 2,509.61
  • The total amount to be repaid by the client is RSD 120,461.13

REPAYMENT PERIOD (senior)

12/months

  • RSD 100,000.00
  • 0% Nominal interest rate
  • Loan processing fee 2.95%
  • 5.52% Nominal interest rate
  • Instalment amount RSD 8,579.16
  • The total amount to be repaid by the client is RSD 102,949.96