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    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 Agriculture

    Loans for Agriculture – up to 10.000 BAM
    No loan processing fee

    Important notice for farmers and agriculturists

    Fall Special Offer of loans for agriculture without loan processing fees. Get ready for the fall and complete all your works in agriculture with the loans of up to 10.000 BAM without loan processing fees being charged.

    ** The Special Offer applies to the loans for agriculture of up to 10.000 BAM (including the loan size of 10.000 BAM), for which the beneficiaries will submit their loan applications in September and October 2019.


    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 0,00% to 1,50% **
    • 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 SizeUp to 4.000 BAMfrom4.001
    BAM to 10.000 BAM
    from10.001
    BAM to 20.000 BAM
    from 20.001
    BAM to 50.000 BAM
    Max. repayment period
    42 months66 months66 months84 months
    NIR19,00%17,50%16,50%14,50%
    EIR FBiH/DB*from 20,91%from 19,04%from 18,61%from 16,12%
    EIR RS20,89%19,03%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 LoanLoan SizeRepayment PeriodNIR** Loan Processing FeeEIR FBiH/DB*EIR RS
    Agriculture
    10.000 BAM66 months17,50%0,00%19,04%19,03%

    Table with an overview of monthly installments

    Loans for Agriculture

    Loan Size (BAM)Repayment Period / months
    122436424860
    1.0009250 37
    3.000276151 110
    4.000369202 147131
    5.000457248 180 160 146 126
    6.000549298 215 192 175 151
    8.000732397 287 256 233 201
    10.000914497 359 320 291 251
    15.0001.365738 531 473 429 369
    20.0001.819984 708 630 572 492
    25.0002.2511.206 861 763 689 588
    30.0002.7011.447 1.033 915 827 706
    40.0003.6011.930 1.377 1.220 1.103 941
    50.0004.5012.412 1.721 1.525 1.379 1.176
    Loans for Pensioners

    The loans of up to 2.000 BAM and loan repayment term of up to 36 months are designed for pensioners who wish to service and maintain their current obligations without burdening their monthly budget with high monthly installments. Whether it is a business or non-business purpose, EKI Loans for Pensioners are the right choice.

    • Loan size 300 – 2.000 BAM
    • Repayment period of up to 36 months
    • Loan processing fee 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 17,00% to 19,50% as laid out in the table below:
    Loan sizeup to 2.000 BAM
    Max. repayment period
    36 months
    NIR19,50%
    EIR FBiH/DB*from 22,55%
    EIR RS22,50%

    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 LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB*EIR RS
    Loan for Pensioners
    2.000 BAM36 months19,50%1,00%from 22,55%22,50%

    Table with an overview of monthly installments

    Loan for Pensioners

    Loan Size (BAM)
    Repayment Period / months
    122436
    300281511
    1.000925137
    2.00018510175
    Ekspres pozajmice za potencijalne klijente

    EKI Ekspres pozajmice za potencijalne EKI klijente namijenjene su za ulaganja u mali biznis, poljoprivredu i unapređenje uslova vašeg domaćinstva.

    • Iznos kredita 300 – 2.000 KM
    • Rok otplate do 12 mjesecI
    • Troškovi obrade 0,00%
    • MKD EKI kredite iskazuje/odobrava u KM indeksiranim u EUR po srednjem kursu CBBIH na dan izrade ugovora
    • Nominalna kamatna stopa (NKS) je fiksna i obračunava se na godišnjem nivou i iznosi 18,00% a predstavljena je u tabeli:
    Iznosdo 2.000 KM
    Max. rok otplate
    12 mjeseci
    NKS18,00%
    EKS FBiH/DB*od 20,42%
    EKS RS20,30%

    Navedene Efektivne kamatne stope (EKS) su obračunate na maksimalne iznose kredita i maksimalne rokove otplate.

    Razlika u obračunu EKS Federacije BiH/Distrikta Brčko i Republike Srpske proizilazi iz različite zakonske regulative. U obračun EKS, pored gore navedenih troškova, ulazi i trošak mjenice, ovjere dokumentacije (samo Federacija BiH/Distrikt Brčko) i interkalarne kamatne stope, ukoliko se ona obračunava.
    *EKS u Federaciji BiH/Distriktu Brčko je prikazana na primjeru obračuna obavezne dokumentacije za fizička lica, ovjerene po cijenama u Distriktu Brčko. EKS se mijenja u skladu sa dodatnom dokumentacijom koja može predstavljati uslov odobrenja svakog pojedinačnog kredita.

    Primjer obračuna Efektivne kamatne stope (EKS):

    Vrsta kreditaIznos kreditaRok otplateNKSTroškovi obradeEKS FBiH/DB*EKS RS
    Ekpres pozajmice
    2.000 KM12 mjeseci18,00%0,00%od 20,42%30,30%

    Tabela sa pregledom rata

    Ekspres pozajmice – potencijalni klijenti

    Iznos kredita (KM)Period otplate / mjeseci
    12
    30027
    1.00092
    2.000183
    Ekspres pozamice za aktivne klijente

    EKI Ekspres pozajmice za aktivne EKI klijente namijenjene su za ulaganja u mali biznis, poljoprivredu i unapređenje uslova vašeg domaćinstva.

    • Iznos kredita 300 – 3.000 KM
    • Rok otplate do 12 mjesecI
    • Troškovi obrade 0,00%
    • MKD EKI kredite iskazuje/odobrava u KM indeksiranim u EUR po srednjem kursu CBBIH na dan izrade ugovora
    • Nominalna kamatna stopa (NKS) je fiksna i obračunava se na godišnjem nivou i iznosi 18,00% a predstavljena je u tabeli:
    Iznosdo 3.000 KM
    Max. rok otplate
    12 mjeseci
    NKS18,00%
    EKS FBiH/DB*od 19,79%
    EKS RS19,72%

    Navedene Efektivne kamatne stope (EKS) su obračunate na maksimalne iznose kredita i maksimalne rokove otplate.

    Razlika u obračunu EKS Federacije BiH/Distrikta Brčko i Republike Srpske proizilazi iz različite zakonske regulative. U obračun EKS, pored gore navedenih troškova, ulazi i trošak mjenice, ovjere dokumentacije (samo Federacija BiH/Distrikt Brčko) i interkalarne kamatne stope, ukoliko se ona obračunava.
    *EKS u Federaciji BiH/Distriktu Brčko je prikazana na primjeru obračuna obavezne dokumentacije za fizička lica, ovjerene po cijenama u Distriktu Brčko. EKS se mijenja u skladu sa dodatnom dokumentacijom koja može predstavljati uslov odobrenja svakog pojedinačnog kredita.

    Primjer obračuna Efektivne kamatne stope (EKS):

    Vrsta kreditaIznos kreditaRok otplateNKSTroškovi obradeEKS FBiH/DB*EKS RS
    Ekpres pozajmice
    3.000 KM12 mjeseci18,00%0,00%od 19,79%19,72%

    Tabela sa pregledom rata

    Ekspres pozajmice – aktivni klijenti

    Iznos kredita (KM)Period otplate / mjeseci
    12
    30027
    1.00092
    2.000183
    3.000275
    Loans for Households

    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 sizeUp to 4.000 BAMFrom 4.001 BAM
    to 10.000 BAM
    Max. repayment period
    42 months60 months
    NIR22,50%21,50%
    EIR FBiH/DB*from 27,22%from 25,34%
    EIR RS27,20%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 LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB*EIR RS
    Household
    10.000 KM60 months21,50%2,50%from 25,34%25,34%

    Table with an overview of monthly installments

    Loans for Households

    Loan Size (BAM)Repayment Period / months
    122436424860
    1.000945238
    3.000282156115
    4.000375208154138
    5.000467258190170156137
    8.000747413303273250219
    10.000934516379341312273
    Small Business Loans

    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 SizeUp to 4.000 BAMfrom 4.001 BAM
    to 10.000 BAM
    Max. repayment period
    42 months66 months
    NIR21,00%18,00%
    EIR FBiH/DB*from 24,93%from 20,67%
    EIR RS24,91%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 LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB*EIR RS
    Small Business
    10.000 BAM66 months18,00%2,00%from 20,67%20,66%

    Table with an overview of monthly installments

    Small Business Loans

    Loan Size (BAM)
    Repayment Period / months
    122436424860
    1.000935138
    3.000279154113
    4.000372206151135
    5.000458250181161147127
    10.000917499362323294254
    Housing Loans

    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 sizeUp to 4.000 BAMfrom 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 months60 months60 months72 months
    NIR21,50%19,50%19,00%17,00%
    EIR FBiH/DB*from 25,55%from 22,57%from 21,95%from 19,38%
    EIR RS25,53%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 LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB*EIR RS
    Housing
    20.000 BAM60 months19,00%2,00%from 21,95%21,94%

    Table with an overview of monthly installments

    Housing Loans

    Loan Size (BAM)Repayment Period / months
    1224364860
    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

    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 sizeUp to 4.000 BAMfrom 4.001 KM
    to 10.000 BAM
    Max. repayment period
    36 months42 months
    NIR18,00%16,50%
    EIR FBiH/DB21,35%19,33%
    EIR RS21,46%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 LoanLoan SizeRepayment PeriodNIRLoan processing FeeEIR FBiH/DBEIR RS
    SME Classic
    10.000 BAM42 months16,50%2,00%19,33%19,37%

    Tabela sa pregledom rata

    SME Classic Loans

    Iznos kredita (KM)Period otplate / mjeseci
    12243642
    1.0009250
    3.000275150
    4.000367200145
    6.000546295212189
    10.000910492354315
    SME Premium Loans

    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 sizefrom 10.001 BAM
    to 20.000 BAM
    from 20.001 BAM
    to 50.000 BAM
    Max. repayment period
    54 months60 months
    NIR16,00%15,00%
    EIR FBiH/DB18,14%16,63%
    EIR RS18,16%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 LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DBEIR RS
    SME Premium
    20.000 BAM54 months16,00%1,50%18,14%18,16%

    Table with an overview of monthly installments

    SME Premium Loans

    Loan Size (BAM)Repayment Period / months
    2436485460
    12.000588422340313
    15.000734527425391
    20.000979703567522
    30.0001.4551.040835767714
    50.0002.4241.7331.3921.2791.190
    Refinanacing Loans

    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 SizeUp to 4.000 BAMFrom 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 period42 months66 months66 months72 months
    NIR17,90%15,90%14,90%13,90%
    EIR FBiH/DB*from 20,36%from 17,66%from 16,22%from 15,07%
    EIR RS20,34%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 LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB*EIR RS
    Refinansiranje
    10.000 BAM66 months15,90%1,00%from 17,66%17,66%

    Table with an overview of monthly installments

    Refinancing Loan

    Loan Size (BAM)Repayment period / months
    122436424860
    3.00027515010897
    4.000367200144129
    5.000453245176156141121
    8.000725391281250226194
    10.000907489351312283243
    15.0001.353727519460417356
    20.0001.804969692614556475
    30.0002.6921.4391.024906818696
    50.0004.4872.3981.7061.5101.3641.161

    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.

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