• Housing Loans

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    Housing Loans are designed for individuals and their efforts to reconstruct or construct their housing unit. If you plan on investing in the construction of your new home or in improving the comfort level of the existing home, the EKI Housing Loan is the right solution for that type of investment.

    • Loan size from 300 to 10.000 BAM
    • Repayment period of up to 60 months
    • Loan processing fee 2,00%
    • The MCF EKI disburses/approves loans in BAM currency as indexed in EUR per the average exchange rate of the BiH Central Bank on the day of Loan Agreement
    • Nominal Interest Rate (NIR) is fixed and calculated on annual level, while its value depends on the loan size and ranges from 19,50% to 21,50% as laid out in the table below:
    Loan size Up to 4.000 BAM from 4.001 BAM
    to 10.000 BAM
    Max. repayment period
    42 months 60 months
    NIR 21,50% 19,50%
    EIR FBiH/DB 25,33% 22,48%
    EIR RS 25,43% 22,51%

    The given Effective Interest Rate (EIR) values were calculated for the maximum loan size and maximum repayment period.

    Effective Interest Rate (EIR) is an interest rate that reflects all of the expenses related to the loan, including the Nominal Interest rate (NIR) and its value depends on the loan size and the length of the repayment period. The difference in calculation of EIR in the territory of BiH Federation/Brčko District BiH and the Republic of Srpska occurs due to different legislation regulating the expenses related to the EIR and in reference to the overall loan-related expenses. The calculation of EIR in BiH Federation and Brčko District BiH includes the loan processing fee, while in the Republic of Srpska on top of all of the referenced expenses the calculation also includes all other expenses related to the use of loan.

    Example of calculation of the Effective Interest rate (EIR):

    Type of Loan Loan Size Repayment Period NIR Loan Processing Fee EIR FBiH/DB EIR
    RS
    Housing
    10.000 BAM 60 months 19,50% 2,00% 22,48% 22,51%

    Table with an overview of monthly installments

    Housing Loans

    Loan Size (BAM) Repayment Period / months
    12 24 36 42 60
    1.000  93  52  38
    3.000  280  155  114
    4.000  373  207  152  136
    5.000  462  253  185  165  131
    8.000  739  405  295  264  210
    10.000  924  507  369  330  262

    Koristeći kreditni kalkulator možete dobiti okvirne informacije o iznosu mjesečne rate, otplatnom planu i ukupnom zaduženju za kredit koji vas zanima. Napomena: Podaci su informativnog karaktera, služe u svrhu opšteg informisanja i mogu se razlikovati od zvaničnih EKI uslova u trenutku podnošenja zahtjeva. Molimo vas da se za sve detaljne informacije obratite vama najbližoj EKI kancelariji.

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