Fast, Easy, Affordable, Simple
A wide range of EKI loans offers you a very simple way to access necessary financial resources for agriculture, business improvement, constructing or renovating your home, as well as for investments in the household.
Submit a loan application or pay a visit to the nearest EKI office and see for yourself that the words “Fast, Easy, Affordable, Simple“ indeed describe the EKI offer in the best way..
Loans for Households are designed for individuals who wish to improve the living conditions of their household. Upgrade your life quality with the purchase of a new TV set, refrigerator, furniture, or by decorating and refurbishing your home. With the help of EKI Loan for Households you can make your everyday life become more pleasant and comfortable.
- Loan size from 300 to 10.000 BAM
- Repayment period of up to 60 months
- Loan processing fee 2,50%
- 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 21,50% up to 22,50% as laid out in the table below:
| Loan size | Up to 4.000 BAM | From 4.001 BAM to 10.000 BAM |
| Max. repayment period |
42 months | 60 months |
| NIR | 22,50% | 21,50% |
| EIR FBiH/DB* | from 27,22% | from 25,34% |
| EIR RS | 27,20% | 25,34% |
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 |
| Household |
10.000 KM | 60 months | 21,50% | 2,50% | from 25,34% | 25,34% |
Table with an overview of monthly installments
Loans for Households
|
|||||||
| Loan Size (BAM) | Repayment Period / months | ||||||
| 12 | 24 | 36 | 42 | 48 | 60 | ||
| 1.000 | 94 | 52 | 38 | ||||
| 3.000 | 282 | 156 | 115 | ||||
| 4.000 | 375 | 208 | 154 | 138 | |||
| 5.000 | 467 | 258 | 190 | 170 | 156 | 137 | |
| 8.000 | 747 | 413 | 303 | 273 | 250 | 219 | |
| 10.000 | 934 | 516 | 379 | 341 | 312 | 273 | |
Small Business Loans are designed for entrepreneurs who have small businesses, or who wish to start-up their own business, as well as for those who wish to improve or expand their existing business. The EKI Loan for Small Business will help you improve your business in the simplest way.
- Loan size from 300 to 10.000 BAM
- Repayment period of up to 66 months
- Grace period of max. 6 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 18,00% to 21,00% as laid out in the table below:
| Loan Size | Up to 4.000 BAM | from 4.001 BAM to 10.000 BAM |
| Max. repayment period |
42 months | 66 months |
| NIR | 21,00% | 18,00% |
| EIR FBiH/DB* | from 24,93% | from 20,67% |
| EIR RS | 24,91% | 20,66% |
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 |
| Small Business |
10.000 BAM | 66 months | 18,00% | 2,00% | from 20,67% | 20,66% |
Table with an overview of monthly installments
Small Business Loans
|
|||||||
| Loan Size (BAM) |
Repayment Period / months | ||||||
| 12 | 24 | 36 | 42 | 48 | 60 | ||
| 1.000 | 93 | 51 | 38 | ||||
| 3.000 | 279 | 154 | 113 | ||||
| 4.000 | 372 | 206 | 151 | 135 | |||
| 5.000 | 458 | 250 | 181 | 161 | 147 | 127 | |
| 10.000 | 917 | 499 | 362 | 323 | 294 | 254 | |
Loans for Agriculture are designed for agricultural producers who wish to start or expand their business. These loans can be used for the purchase of raw materials and fixed assets for the proper running of your agricultural business.
- Loan Size from 300 to 50.000 BAM
- Repayment period of up to 84 months
- Grace period of max. 12 months
- Loan processing fee 1,50% to 2,00%
- Nominal Interest Rate (NIR) is fixed and calculated on annual level, while its value depends on the loan size and ranges from 14,50% to 19,00% as laid out in the table below:
| Loan Size | Up to 4.000 BAM | from4.001 BAM to 10.000 BAM |
from10.001 BAM to 20.000 BAM |
from 20.001 BAM to 50.000 BAM |
| Max. repayment period |
42 months | 66 months | 66 months | 84 months |
| NIR | 19,00% | 17,50% | 16,50% | 14,50% |
| EIR FBiH/DB* | from 22,46% | from 20,07% | from 18,61% | from 16,12% |
| EIR RS | 22,44% | 20,06% | 18,60% | 16,12% |
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 |
| Agriculture |
10.000 BAM | 66 months | 17,50% | 2,00% | 20,07% | 20,06% |
Table with an overview of monthly installments
Loans for Agriculture |
|||||||
| Loan Size (BAM) | Repayment Period / months | ||||||
| 12 | 24 | 36 | 42 | 48 | 60 | ||
| 1.000 | 92 | 50 | 37 | ||||
| 3.000 | 276 | 151 | 110 | ||||
| 4.000 | 369 | 202 | 147 | 131 | |||
| 5.000 | 457 | 248 | 180 | 160 | 146 | 126 | |
| 6.000 | 549 | 298 | 215 | 192 | 175 | 151 | |
| 8.000 | 732 | 397 | 287 | 256 | 233 | 201 | |
| 10.000 | 914 | 497 | 359 | 320 | 291 | 251 | |
| 15.000 | 1.365 | 738 | 531 | 473 | 429 | 369 | |
| 20.000 | 1.819 | 984 | 708 | 630 | 572 | 492 | |
| 25.000 | 2.251 | 1.206 | 861 | 763 | 689 | 588 | |
| 30.000 | 2.701 | 1.447 | 1.033 | 915 | 827 | 706 | |
| 40.000 | 3.601 | 1.930 | 1.377 | 1.220 | 1.103 | 941 | |
| 50.000 | 4.501 | 2.412 | 1.721 | 1.525 | 1.379 | 1.176 | |
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 |
| 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 | ||
SME Classic Loans are designed for registered businesses, which require small investments to either start-up, improve or expand their business activities. EKI will help you improve your business with the SME Classic Loan and the simplest procedures.
- Loan size from 300 to 10.000 BAM
- Repayment period of up to 42 months
- Grace period of max. 9 months
- Loan processing fee 2%
- 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 16,50% to 18,00% as laid out in the table below:
| Loan size | Up to 4.000 BAM | from 4.001 KM to 10.000 BAM |
| Max. repayment period |
36 months | 42 months |
| NIR | 18,00% | 16,50% |
| EIR FBiH/DB | 21,35% | 19,33% |
| EIR RS | 21,46% | 19,37% |
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 (only in Republic of Srpska) and intercalary interest rate, if calculated. |
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 |
| SME Classic |
10.000 BAM | 42 months | 16,50% | 2,00% | 19,33% | 19,37% |
Tabela sa pregledom rata
SME Classic Loans
|
|||||||
| Iznos kredita (KM) | Period otplate / mjeseci | ||||||
| 12 | 24 | 36 | 42 | ||||
| 1.000 | 92 | 50 | |||||
| 3.000 | 275 | 150 | |||||
| 4.000 | 367 | 200 | 145 | ||||
| 6.000 | 546 | 295 | 212 | 189 | |||
| 10.000 | 910 | 492 | 354 | 315 | |||
SME Premium Loans are designed for registered businesses, which need major investments for improving or expanding their business activities. With the EKI SME Premium Loan you can purchase raw materials, machines, and equipment for your business, you can also construct or purchase a business facility and enrich your business with some other types of current or fixed assets that you need.
- Loan size from 10.001 to 50.000 BAM
- Repayment period of up to 60 months
- Grace period of max. 9 months
- Loan processing fee 1,00% to 1,50%
- 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 15,00% to 16,00% as laid out in the table below:
| Loan size | from 10.001 BAM to 20.000 BAM |
from 20.001 BAM to 50.000 BAM |
| Max. repayment period |
54 months | 60 months |
| NIR | 16,00% | 15,00% |
| EIR FBiH/DB | 18,14% | 16,63% |
| EIR RS | 18,16% | 16,63% |
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 (only in Republic of Srpska) and intercalary interest rate, if calculated. |
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 |
| SME Premium |
20.000 BAM | 54 months | 16,00% | 1,50% | 18,14% | 18,16% |
Table with an overview of monthly installments
SME Premium Loans
|
|||||||
| Loan Size (BAM) | Repayment Period / months | ||||||
| 24 | 36 | 48 | 54 | 60 | |||
| 12.000 | 588 | 422 | 340 | 313 | |||
| 15.000 | 734 | 527 | 425 | 391 | |||
| 20.000 | 979 | 703 | 567 | 522 | |||
| 30.000 | 1.455 | 1.040 | 835 | 767 | 714 | ||
| 50.000 | 2.424 | 1.733 | 1.392 | 1.279 | 1.190 | ||
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 | |
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.
