Pozajmica ima rok vraćanja.

Here, pozajmica means a loan or something borrowed.

Depending on context, it can refer to:

• a financial loan
• an item someone borrowed
• the borrowing arrangement itself

In this sentence, because of rok vraćanja meaning a return or repayment deadline, pozajmica is best understood as a loan or a borrowed item that must be returned.

Pozajmica is in the nominative singular.

It is the subject of the sentence, the thing that has something:

• Pozajmica = the loan
• ima = has
• rok vraćanja = a return/repayment term

So the basic structure is:

[subject] + [verb] + [object]

Ima is the 3rd person singular present tense of imati, meaning to have.

Because pozajmica is singular, the verb must also be singular:

• ja imam = I have
• ti imaš = you have
• on/ona/ono ima = he/she/it has

So:

• Pozajmica ima... = The loan has...

Here rok is the direct object of ima.

The full idea is:

• Pozajmica ima rok... = The loan has a term/deadline...

The reason rok does not visibly change is that rok is a masculine inanimate noun, and in the singular its accusative form is the same as its nominative form.

So:

• nominative: rok
• accusative: rok

That is very common with masculine inanimate nouns in Serbian.

Literally, rok vraćanja means something like:

• deadline of returning
• term of return
• return period

In natural English, you would usually say:

• return deadline
• return period
• repayment term, depending on context

So rok means term, deadline, time limit, and vraćanja adds the idea of returning.

Vraćanja comes from vraćanje, a verbal noun meaning returning.

In this sentence, it is in the genitive singular:

• nominative: vraćanje
• genitive: vraćanja

Serbian often uses a noun + genitive structure where English might use:

• for + -ing
• an adjective
• a more compact noun phrase

So:

• rok vraćanja = literally term/deadline of returning
• more natural English: deadline for returning

A useful way to think of it is:

• rok čega? = the deadline of what?
• vraćanja = of returning

Yes. Rok za vraćanje is also natural and grammatical.

Compare:

• rok vraćanja = slightly more compact, formal, noun-based
• rok za vraćanje = very clear, often a bit more transparent to learners because it literally feels like deadline for returning

Both are correct. In many contexts, they are very close in meaning.

Serbian does not have articles like English a/an/the.

So pozajmica can mean:

• a loan
• the loan

and rok can mean:

• a term
• the term

You understand which one is meant from context.

That is why Pozajmica ima rok vraćanja can be translated in different ways depending on the situation:

• A loan has a repayment term
• The loan has a return deadline

The order Pozajmica ima rok vraćanja is the most neutral and straightforward.

Serbian word order is more flexible than English because cases help show grammatical roles. But different word orders can sound more marked, focused, or contextual.

The neutral pattern here is:

• subject + verb + object

So this sentence is a good standard model for learners.