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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 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 24,00% 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 60 months
    NIR 24,00% 21,50%
    EIR FBiH/DB* from 29,13% from 25,34%
    EIR RS 29,11% 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 95 53 39
    3.000 284 159 118
    4.000 378 211 157 142
    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

    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

    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

    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

    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* from 21,35% from 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

    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* from 18,14% from 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% from 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
    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 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.

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