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 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 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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EKI LoansKoristeći 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.
