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Repayment period


depending on the type of the loan that is being refinanced.


One loan

by joining more loans (hired at SKB or other banks).


Lower monthly annuity

and favourable interest rate.


Refinance the loan by hiring a new one with longer repayment term and favourable conditions or join more loans into one.


You can refinance any loan hired at SKB or any other bank under regular offer conditions.


The amount of the loan is calculated based on credithworthiness of the client; conditions for the calculation are the same as for the loans in regular offer.


Repayment period is the same as the repayment period for loans in regular offer.


Loan refinancing costs are the same as the costs for hiring a loan in regular offer.


Sisbon is an information system which has been established for the purpose of managing credit risk of banks, savings banks and other creditors in order to ensure responsible financing and prevention of over indebtedness of individuals. SISBON collects and processes data related to actual and potential indebtedness and accuracy regarding the fulfilment of parties’ contractual obligations.

Make an appointment with an individual relationship officer

Your individual relationship officer will wait for you in the outlet on the agreed upon date and time. 
With his help, you will be able to arrange everything quickly and easily.

Make an appointment or Send an inquiry

Frequently asked questions

A refinancing cash loan can be approved in any amount. The amount may also be higher than the amount of the loans being repaid.

A refinancing housing loan can only approved in the amount of the housing loan you are repaying.

A housing loan can only be refinanced with a housing loan, while cash loans can be used to repay all types of loans.

By getting a new refinancing loan approved, you can pay off early one or several of your existing loans with SKB or with another bank.

Loan refinancing refers to the process of taking out a new loan that has a longer repayment period, to reduce the current amount of your monthly repayment obligations.

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It's good to know
whom you trust your finances

SKB bank

  • Excells in safety, stability and reliability in Slovene banking space.
  • Part of OTP Group, one of the biggest and most stable financial services providers in Central and Eastern Europe.
  • Trusted by more than 200.000 clients.

What do our clients say about us?

Tina J.
Tina J.

SKB bank keeps pace with the trends. It provides its users with online and mobile banking which makes our business easier and also simplifies dealing with our personal account, while paying invoices is quick and easy. Employees in bank branches are nice, helpful and willing to solve every issue.

Tina J.
Ivona K.
Ivona K.

I have been a satisfied client since 2003. What I like most are personal approach and responsiveness – my individual relationship officer instantly finds a favourable solution for each of my financial challenges. I would also like to point out the mobile bank; these days I could not imagine my everyday life without it.

Ivona K.

Flik immediate free transfers

Pay with Flik - anytime, anywhere:

  • Simple- all you need is a mobile phone number
    or an e-mail of the recipient.
  • Quick- money is in the account in a few seconds.
    Even outside the bank's working hours.
  • Secure- the same level of security as for payments through
    the mobile bank or internet bank.

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