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 50.000 BAM
- Repayment period of up to 84 months
- Loan processing fee 1,50% to 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 | from 30.001 BAM to 50.000 BAM |
| Max. repayment period | 42 months | 60 months | 60 months | 72 months | 84 months |
| NIR | 21,50% | 19,50% | 19,00% | 17,00% | 17,00% |
| EIR FBiH/DB/RS | 25,42% | 22,54% | 21,94% | 19,38% | 19,05% |
The given Effective Interest Rate (EIR) values were calculated for the maximum loan size and maximum repayment period.
| The effective interest rate (EIR) represents the actual price i.e. the total costs of the loan, paid by the user. The calculation of EIR includes nominal interest, intercalary interest (if calculated), and loan processing costs. The EIR also includes fees for other costs, if any, which represent a condition for loan approval whether the costs relate to the borrower or co-borrower (except for loans issued to legal entities in the organizational part with headquarters registered in FBiH and BD BiH). |
| The data on installments and EIR are of informative character, serving the purpose of general information and may differ from the official EKI terms and conditions at the time of loan application submitting. Please contact your nearest office for more details. |
Example of calculation of the Effective Interest rate (EIR):
| Type of Loan | Loan Size | Repayment Period | NIR | Loan Processing Fee | EIR FBiH/DB/RS |
| Housing | 20.000 BAM | 60 months | 19,00% | 2,00% | 21,94% |
Table with an overview of monthly installments
Housing Loans | |||||||
| Loan Size (BAM) | Repayment Period / months | ||||||
| 12 | 24 | 36 | 48 | 60 | 72 | 84 | |
| 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 | ||
| 40.000 | 3.648 | 1.978 | 1.426 | 1.154 | 994 | 890 | 817 |
| 50.000 | 4.560 | 2.472 | 1.443 | 1.243 | 1.112 | 1.201 | 1.022 |
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.