Express Loans – Right on Time
Express way to 3,000.00 BAM
🟠 without guarantors
🟠 no processing costs
🟠 with a simple procedure
EKI Express Loans arrive right on time!
If you urgently need funding for your work or household, EKI Express Loans are waiting for you in all EKI offices. Apply quickly and easily, via:
🟠 EKI Facebook Chat,
🟠 EKI Viber Chat or
🟠 nearest EKI office.
Express loans are designed and intended for investments in small business, agriculture and in improving the conditions of your household.
- Loan size 300 – 3.000 BAM
- Repayment period up to 12 months
- Loan processing fee 0,00%
- 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 18,00% as laid out in the table below:
|Loan size||up to 3.000 BAM|
|Max. repayment period||12 months|
|EIR FBiH/DB*||From 19,79%|
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 in 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/and 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 calculation of EIR for loans to legal entities in the Federation of BiH/Brčko District of BiH does not include other costs related to loan security instruments, fees for verification of documents 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):
|Loan type||Loan size||Rok otplate||NIR||Loan processing fee||EIR FBiH/DB*||EIR RS|
|Express loans||3.000 BAM||12 months||18,00%||0,00%||From 19,79%||19,72%|
|Loan size (BAM)||Repayment period / months|
“Vaš zahtjev za kredit možete podnijeti i putem on-line obrasca. Dovoljno je da odaberete formu za fizička ili formu za pravna lica, zavisno od potrebe, popunite ponuđena polja i odaberete opciju “pošalji”. U najkraćem mogućem roku će Vas kontaktirati EKI kreditni službenik, dogovoriti potpisivanje zahtjeva za kredit i uputiti u proceduru, koja između ostalog podrazumijeva i provjeru Vaše kreditne istorije (CRK).”
By using the Loan Calculator, you can get approximate information regarding the size of monthly installments, the repayment plan and the total debt for the loan you are interested in.
Note: The data on installments and EIR are of informational character and serve the purpose of general information, while it may differ from the official EKI terms at the time of loan application. Please contact your nearest EKI office for detailed information