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 – 50.000 BAM
- Repayment period of up to 72 months
- Loan processing fee from 0,50 to 1,00%
- The MCC 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 13,90% 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 | From 10.001 BAM to 20.000 BAM | From 20.001 BAM to 50.000 BAM |
| Max. repayment period | 42 months | 66 months | 66 months | 72 months |
| NIR | 17,90% | 15,90% | 14,90% | 13,90% |
| EIR FBiH/DB* | from 20,36% | from 17,66% | from 16,22% | from 15,07% |
| EIR RS | 20,34% | 17,66% | 16,22% | 15,07% |
The given Effective Interest Rate (EIR) values were calculated for the maximum loan size and maximum repayment period.
| The difference in the calculation of the EIR of the Federation of BiH/Brčko District and the Republic of Srpska for natural and legal persons arises from different legal regulations. In addition to the above costs, the calculation of EIR includes the cost of the Bill of Exchange (except for loans up to/and 3,000 BAM with a repayment period of up to 12 months, which are approved without a Bill of Exchange), cost of verification of documents and the cost of intercalary interest, if it is calculated. * The effective interest rate (EIR) is shown through an example without calculating the cost of verification of mandatory documentation for loan approval. In case of verification of mandatory or additional documents by the competent state authority in the Federation of BiH/Brčko District of BiH and Republic of Srpska, the costs of verification will be included in the calculation of EIR in the manner regulated by the decisions of the Banking Agency. The calculation of EIR for loans for legal entities in the Federation of BiH / Brčko District of BiH does not include other costs related to loan security instruments, fees for document verification and other similar fees. In the calculation of EIR for loans for legal entities in the territory of the Republic of Srpska, other costs include the costs of Bills of Exchange and costs related to loan security instruments, fees for obtaining and verifying documents and other similar fees. |
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% | from 17,66% | 17,66% |
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 | |
| 15.000 | 1.353 | 727 | 519 | 460 | 417 | 356 | |
| 20.000 | 1.804 | 969 | 692 | 614 | 556 | 475 | |
| 30.000 | 2.692 | 1.439 | 1.024 | 906 | 818 | 696 | |
| 50.000 | 4.487 | 2.398 | 1.706 | 1.510 | 1.364 | 1.161 | |
“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).”
“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).”
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