• Loans for Households

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    Loans for Households are designed for individuals who wish to improve the living conditions of their household. Upgrade your life quality with the purchase of a new TV set, refrigerator, furniture, or by decorating and refurbishing your home. With the help of EKI Loan for Households you can make your everyday life become more pleasant and comfortable.

    • Loan size from 300 to 10.000 BAM
    • Repayment period of up to 60 months
    • Loan processing fee 2,50%
    • 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 21,50% up to 24,00% 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 24,00% 21,50%
    EIR FBiH/DB 28,89% 25,24%
    EIR RS 29,00% 25,27%

    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
    Household
    10.000 KM 60 months 21,50% 2,50% 25,24% 25,27%

    Table with an overview of monthly installments

    Loans for Households

    Loan Size (BAM) Repayment Period / months
    12 24 36 42 48 60
    1.000 95 53 39
    3.000 284 159 118
    4.000 378 211 157 142
    5.000 467 258 190 170 156 137
    8.000 747 413 303 273 250 219
    10.000 934 516 379 341 312 273

    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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