• Housing Loans

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    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 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
    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.

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