Housing Loans are designed for individuals and their efforts to reconstruct or construct their housing unit. If you plan on investing in the construction of your new home or in improving the comfort level of the existing home, the EKI Housing Loan is the right solution for that type of investment.
- Loan Size from 300 to 30.000 BAM
- Repayment period of up to 72 months
- Loan processing fee 2,00%
- 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 17,00% to 21,50% 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 30.000 BAM |
| Max. repayment period | 42 months | 60 months | 60 months | 72 months |
| NIR | 21,50% | 19,50% | 19,00% | 17,00% |
| EIR FBiH/DB* | from 25,55% | from 22,57% | from 21,95% | from 19,38% |
| EIR RS | 25,53% | 22,57% | 21,94% | 19,38% |
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):
| Type of Loan | Loan Size | Repayment Period | NIR | Loan Processing Fee | EIR FBiH/DB* | EIR RS |
| Housing | 20.000 BAM | 60 months | 19,00% | 2,00% | from 21,95% | 21,94% |
Table with an overview of monthly installments
Housing Loans | |||||||
| Loan Size (BAM) | Repayment Period / months | ||||||
| 12 | 24 | 36 | 48 | 60 | |||
| 1.000 | 93 | 52 | 38 | ||||
| 3.000 | 280 | 155 | 114 | ||||
| 5.000 | 462 | 253 | 185 | 151 | 131 | ||
| 8.000 | 739 | 405 | 295 | 241 | 210 | ||
| 10.000 | 924 | 507 | 369 | 302 | 262 | ||
| 15.000 | 1.382 | 756 | 550 | 449 | 389 | ||
| 20.000 | 1.843 | 1.008 | 733 | 598 | 519 | ||
| 30.000 | 2.736 | 1.483 | 1.070 | 866 | 746 | ||
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.