• EKI Relax Refinancing Loan

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    EKI RELAX REFINANCING LOAN

     

    EKI Relax Refinancing Loan is designed for the clients, who wish to integrate their loans borrowed from other financial institutions, into one. With the EKI Relax Refinancing Loan the clients get the opportunity to easily monitor their monthly loan-related obligations, as they will only have one date and amount to bear in mind.

     


    In the following sections, you may find the necessary information about the refinancing loan terms, monthly installment sizes, contact details, and the loan application form. Should you have any questions or require additional information feel free to contact our loan officers in the EKI branch office closest to you.

    With the EKI Relax Refinancing Loan, the clients have the possibility to integrate all of their existing loans from other financial institutions into one, and thus have only one monthly installment, allowing them to service their loan in a simple way.

    • Loan size from 1.000 – 10.000 BAM
    • Repayment period of up to 66 months
    • Loan processing fee 1,00%
    • 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 15,90% to 17,90% 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 66 months
    NIR 17,90% 15,90%
    EIR FBiH/DB 20,17% 17,62%
    EIR RS 20,27% 17,64%

    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
    Refinansiranje
    10.000 BAM 66 months 15,90% 1,00% 17,62% 17,64%

    Table with an overview of monthly installments

    Refinancing Loan

    Loan Size (BAM) Repayment Period / months
    12 24 36 42 48 60
    3.000 275 150 108 97
    4.000 367 200 144 129
    5.000 453 245 176 156 141 121
    8.000 725 391 281 250 226 194
    10.000 907 489 351 312 283 243

    “Your Loan Application may also be submitted online. Simply select the form for individuals or for legal entities, depending on your preferences, fill in the requested fields and click “Send”. EKI Loan Officer will contact you shortly to arrange signing of the Loan Application and will introduce you to the procedure that, among other things, implies verification of your credit history (CRK – Central Loan Register).”

    Ime*

    Prezime*

    Opština*

    Adresa*

    Telefon*

    E-Mail

     

    Vrsta kredita*

    Iznos kredita*

    Prekoračili ste dozvoljeni iznos kredita!

    Rok otplate (mjeseci)*

    Prekoračili ste dozvoljeni rok otplate!

    Napomena

    Pročitao sam i prihvatam uslove korištenja

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    54.82.56.95

    “Your Loan Application may also be submitted online. Simply select the form for individuals or for legal entities, depending on your preferences, fill in the requested fields and click “Send”. EKI Loan Officer will contact you shortly to arrange signing of the Loan Application and will introduce you to the procedure that, among other things, implies verification of your credit history (CRK – Central Loan Register).”

    Ime*

    Prezime*

    Naziv preduzeća*

    Opština*

    Adresa*

    Telefon*

    E-Mail

     

    Vrsta kredita*

    Iznos kredita*

    Prekoračili ste dozvoljeni iznos kredita!

    Rok otplate (mjeseci)*

    Prekoračili ste dozvoljeni rok otplate!

    Napomena

    Pročitao sam i prihvatam uslove korištenja

    captcha

    54.82.56.95

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