• SME Classic Loans

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    SME Classic Loans are designed for registered businesses, which require small investments to either start-up, improve or expand their business activities. EKI will help you improve your business with the SME Classic Loan and the simplest procedures.

    • Loan size from 300 to 10.000 BAM
    • Repayment period of up to 42 months
    • Grace period of max. 9 months
    • Loan processing fee 2%
    • 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 16,50% to 18,00% as laid out in the table below:
    Loan size Up to 4.000 BAM from 4.001 KM
    to 10.000 BAM
    Max. repayment period
    36 months 42 months
    NIR 18,00% 16,50%
    EIR FBiH/DB 21,27% 19,27%
    EIR RS 21,38% 19,30%

    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
    SME Classic
    10.000 BAM 42 months 16,50% 2,00% 19,27% 19,30%

    Tabela sa pregledom rata

    SME Classic Loans

    Iznos kredita (KM) Period otplate / mjeseci
    12 24 36 42
    1.000 92 52
    3.000 275 150
    4.000 367 200 145
    6.000 546 295 212 189
    10.000 910 492 354 315

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