• 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 SizeUp to 4.000 BAMFrom 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 period42 months66 months66 months72 months
    NIR17,90%15,90%14,90%13,90%
    EIR FBiH/DB*from 20,36%from 17,66%from 16,22%from 15,07%
    EIR RS20,34%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 Effective Interest Rate (EIR) in the Federation of Bosnia and Herzegovina/Brčko District and Republic of Srpska is based on different legal regulations. In addition to the aforementioned costs, the EIR calculation includes the cost of the bill of exchange, legal verification of documents (only in the Federation of BiH/Brčko District) and intercalary interest rate, if calculated.
    * The EIR in the Federation of BiH/Brčko District is presented in an example of calculation of the mandatory documentation for individuals, legally verified at prices valid in Brčko District. The EIR is modified in accordance with additional documentation that may be a precondition for approval of each individual loan.

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

    Type of LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB*EIR RS
    Refinansiranje
    10.000 BAM66 months15,90%1,00%from 17,66%17,66%

    Table with an overview of monthly installments

    Refinancing Loan

    Loan Size (BAM)Repayment period / months
    122436424860
    3.00027515010897
    4.000367200144129
    5.000453245176156141121
    8.000725391281250226194
    10.000907489351312283243
    15.0001.353727519460417356
    20.0001.804969692614556475
    30.0002.6921.4391.024906818696
    50.0004.4872.3981.7061.5101.3641.161

    “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).”

    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

    34.204.203.142

    “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

    34.204.203.142

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    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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