• Loan Calculator

    Home / Loan Calculator

    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..

    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/RS20,25%17,63%16,22%15,07%

    The given Effective Interest Rate (EIR) values were calculated for the maximum loan size and maximum repayment period.

    Efektivna kamatna stopa predstavlja stvarnu cijenu odnosno ukupne troškove kredita koje plaća korisnik. U izračun EKS ulazi nominalna kamata, interkalarna kamata (ukoliko je ista obračunata), te troškovi obrade kredita. U EKS ulazi i naknada za druge troškove ukoliko postoje, a koji predstavljaju uslov za odobrenje kredita bilo da se troškovi odnose na korisnika kredita ili sudužnika (osim za kredite koji su izdati korisnicima pravnim licima u organizacijskom dijelu sa sjedištem registrovanim u FBiH i BD BiH).
    Podaci o ratama i EKS 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 kancelariji.

    Example of calculation of the Effective Interest rate (EIR):

    Type of LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB/RS
    Refinansiranje
    10.000 BAM66 months15,90%1,00%17,63%

    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
    Loans for Agriculture

    Loans for Agriculture are designed and intended for agricultural producers who want to start or expand their business. These loans may be used to purchase raw materials and fixed assets needed to perform agricultural activities.

    • Loan ammount 300 – 50.000 BAM
    • Repayment period up to do 84 months
    • Grace period max. 12 months
    • Loan processing fee 1,50% – 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 14,50% to 19,00% as laid out in the table below
    Loan sizeUp to 4.000 BAMFrom 4.001 BAM
    up to 10.000 BAM
    From 10.001 BAM
    up to 20.000 BAM
    from 20.001 BAM
    up to 50.000 BAM
    Max. Repayment period
    42 months66 months66 months84 months
    NKS19,00%17,50%16,50%14,50%
    EKS FBiH/DB/RS22,35%20,04%18,60% 16,12%

    The given Effective Interest Rate (EIR) values were calculated for the maximum loan size and maximum repayment period.

    Efektivna kamatna stopa predstavlja stvarnu cijenu odnosno ukupne troškove kredita koje plaća korisnik. U izračun EKS ulazi nominalna kamata, interkalarna kamata (ukoliko je ista obračunata), te troškovi obrade kredita. U EKS ulazi i naknada za druge troškove ukoliko postoje, a koji predstavljaju uslov za odobrenje kredita bilo da se troškovi odnose na korisnika kredita ili sudužnika (osim za kredite koji su izdati korisnicima pravnim licima u organizacijskom dijelu sa sjedištem registrovanim u FBiH i BD BiH).
    Podaci o ratama i EKS 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 kancelariji.

    Example of calculation of the Effective Interest rate (EIR):

    Type of loanLoan sizeRepayment periodNIRLoan procesing feeEIR FBiH/DB/RS
    Agriculture
    10.000 BAM66 mjeseci17,50%2,00%20,04%

     

    Loans for Agriculture

    Loan size (BAM)Repayment period / months
    122436424860
    1.000925037
    3.000276151110
    4.000369202147131
    5.000457248180160146126
    6.000549298215192175151
    8.000732397287256233201
    10.000914497359320291251
    15.0001.365738531473429369
    20.0001.819984708630572492
    25.0002.2511.206861763689588
    30.0002.7011.4471.033915827706
    40.0003.6011.9301.3771.2201.103941
    50.0004.5012.4121.7211.5251.3791.176
    Express Loans

    Ekspres pozajmice su namijenjene 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 19,00% i predstavljena je u tabeli:
    Iznosdo 3.000 KM
    Max. rok otplate
    12 mjeseci
    NKS18,00%
    EKS FBiH/DB/RS19,71%

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

    Mikrokreditna fondacija EKI u svojoj ponudi ima kredite od 300 do 10.000 KM, dok Mikrokreditno društvo EKI odobrava kredite od 300 do 50.000 KM. Svi uslovi kredita do 10.000 KM su identični i odnose se na obje organizacije. Uslovi kredita preko 10.000 KM odnose se samo na Mikrokreditno društvo EKI.
    Efektivna kamatna stopa predstavlja stvarnu cijenu odnosno ukupne troškove kredita koje plaća korisnik. U izračun EKS ulazi nominalna kamata, interkalarna kamata (ukoliko je ista obračunata), te troškovi obrade kredita. U EKS ulazi i naknada za druge troškove ukoliko postoje, a koji predstavljaju uslov za odobrenje kredita bilo da se troškovi odnose na korisnika kredita ili sudužnika (osim za kredite koji su izdati korisnicima pravnim licima u organizacijskom dijelu sa sjedištem registrovanim u FBiH i BD BiH).
    Podaci o ratama i EKS 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 kancelariji.

    Primjer obračuna Efektivne kamatne stope (EKS):

    Vrsta kreditaIznos kreditaRok otplateNKSTroškovi obradeEKS FBiH/DB/RS*
    Ekspres pozajmice
    3.000 KM12 mjeseci18,00%0,00%19,71%

    Tabela sa pregledom rata

    Ekspres pozajmice

    Iznos kredita (KM)Period otplate / mjeseci
    12
    30028
    1.00092
    2.000183
    3.000275
    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/RS22,29%

    The given Effective Interest Rate (EIR) values were calculated for the maximum loan size and maximum repayment period.

    Efektivna kamatna stopa predstavlja stvarnu cijenu odnosno ukupne troškove kredita koje plaća korisnik. U izračun EKS ulazi nominalna kamata, interkalarna kamata (ukoliko je ista obračunata), te troškovi obrade kredita. U EKS ulazi i naknada za druge troškove ukoliko postoje, a koji predstavljaju uslov za odobrenje kredita bilo da se troškovi odnose na korisnika kredita ili sudužnika (osim za kredite koji su izdati korisnicima pravnim licima u organizacijskom dijelu sa sjedištem registrovanim u FBiH i BD BiH).
    Podaci o ratama i EKS 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 kancelariji.

    Example of calculation of the Effective Interest rate (EIR):

    Type of LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB/RS
    Loan for Pensioners
    2.000 BAM36 months19,50%1,00%22,29%

    Table with an overview of monthly installments

    Loan for Pensioners

    Loan Size (BAM)
    Repayment Period / months
    122436
    300281511
    1.000925137
    2.00018510175
    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 20.000 BAM
    • Repayment period of up to 66 months
    • Loan processing fee from 2,00% up to 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:
    Microcredit Foundation EKI offers loans from 300 to 10.000 BAM, while the Microcredit Company EKI offers loans from 300 to 50.000 BAM. All terms for the loans up to 10.000 BAM are identical and apply to both organizations. The terms for loans over 10.000 BAM apply only to the Microcredit Company EKI.
    Loan sizeUp to 4.000 BAMFrom 4.001 BAM
    to 10.000 BAM
    From 10.001 BAM
    to 20.000 BAM
    Max. repayment period
    42 months60 months66 months
    NIR22,50%21,50%20,50%
    EIR FBiH/DB/RS27,09%25,31%23,69%

    The given Effective Interest Rate (EIR) values were calculated for the maximum loan size and maximum repayment period.

    Efektivna kamatna stopa predstavlja stvarnu cijenu odnosno ukupne troškove kredita koje plaća korisnik. U izračun EKS ulazi nominalna kamata, interkalarna kamata (ukoliko je ista obračunata), te troškovi obrade kredita. U EKS ulazi i naknada za druge troškove ukoliko postoje, a koji predstavljaju uslov za odobrenje kredita bilo da se troškovi odnose na korisnika kredita ili sudužnika (osim za kredite koji su izdati korisnicima pravnim licima u organizacijskom dijelu sa sjedištem registrovanim u FBiH i BD BiH).
    Podaci o ratama i EKS 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 kancelariji.

    Example of calculation of the Effective Interest rate (EIR):

    Type of LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB/RS
    Household
    10.000 KM60 months21,50%2,50%25,31%

    Table with an overview of monthly installments

    Loans for Households

    Loan Size (BAM)Repayment Period / months
    12243642486066
    1.000945238
    3.000282156115
    4.000375208154138
    5.000467258190170156137
    8.000747413303273250219
    10.000934516379341312273
    15.0001.393767561503460402381
    20.0001.8571.023748671614535508

     

    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 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 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
    from 30.001 BAM
    to 50.000 BAM
    Max. repayment period
    42 months60 months60 months72 months84 months
    NIR21,50%19,50%19,00%17,00%17,00%
    EIR FBiH/DB/RS25,42%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 LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB/RS
    Housing
    20.000 BAM60 months19,00%2,00%21,94%

    Table with an overview of monthly installments

    Housing Loans

    Loan Size (BAM)Repayment Period / months
    12243648607284
    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
    40.0003.6481.9781.4261.154994890817
    50.0004.5602.4721.4431.2431.1121.2011.022
    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 2,00%
    • 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 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.

    Efektivna kamatna stopa predstavlja stvarnu cijenu odnosno ukupne troškove kredita koje plaća korisnik. U izračun EKS ulazi nominalna kamata, interkalarna kamata (ukoliko je ista obračunata), te troškovi obrade kredita. U EKS ulazi i naknada za druge troškove ukoliko postoje, a koji predstavljaju uslov za odobrenje kredita bilo da se troškovi odnose na korisnika kredita ili sudužnika (osim za kredite koji su izdati korisnicima pravnim licima u organizacijskom dijelu sa sjedištem registrovanim u FBiH i BD BiH).
    Podaci o ratama i EKS 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 kancelariji.

    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.

    Efektivna kamatna stopa predstavlja stvarnu cijenu odnosno ukupne troškove kredita koje plaća korisnik. U izračun EKS ulazi nominalna kamata, interkalarna kamata (ukoliko je ista obračunata), te troškovi obrade kredita. U EKS ulazi i naknada za druge troškove ukoliko postoje, a koji predstavljaju uslov za odobrenje kredita bilo da se troškovi odnose na korisnika kredita ili sudužnika (osim za kredite koji su izdati korisnicima pravnim licima u organizacijskom dijelu sa sjedištem registrovanim u FBiH i BD BiH).
    Podaci o ratama i EKS 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 kancelariji.

    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

    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.

    Kontakt forma

    We're not around right now. But you can send us an email and we'll get back to you, asap.