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Short-term business loan Truly Good Loan is designed for clients who wish to invest in any kind of small-scale business activity. If you wish to start a small-scale business, purchase a machine or equipment for your business, the Truly Good Loan is your choice. In this special offer you can get the Truly Good Loan without loan application fee, without guarantees, and with a substantially lower interest rate.

• Loan size from 300 to 2.000 BAM
• Repayment period of up to 12 months
• Loan processing fee 0,00%
• Nominal Interest Rate (NIR) is fixed and calculated on annual level of 15,00% as laid out in the table below:

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

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

Table with an overview of monthly installments

Short-term non-business loan Truly Good Loan is designed for clients who wish to redesign/refurbishing of residential or workplace area, and also for purchase of household appliances, furniture or machines for their business. In this special offer you can get the Truly Good Loan without loan application fee, without guarantees, and with a substantially lower interest rate.

• Loan size from 300 to 2.000 BAM
• Repayment period of up to 12 months
• Loan processing fee 0,00%
• Nominal Interest Rate (NIR) is fixed and calculated on annual level of 18,00% as laid out in the table below:

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

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

Table with an overview of monthly installments

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 MCF 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:

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

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

Table with an overview of monthly installments

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 MCF 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:

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

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

Table with an overview of monthly installments

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 10.000 BAM
• Repayment period of up to 66 months
• Grace period of max. 12 months
• Loan processing fee 2,00%
• The MCF 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 17,50% to 19,00% as laid out in the table below:

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

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

Table with an overview of monthly installments

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 10.000 BAM
• Repayment period of up to 60 months
• Loan processing fee 2,00%
• The MCF 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 19,50% to 21,50% as laid out in the table below:

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

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

Table with an overview of monthly installments

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 MCF 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:

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

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

Table with an overview of monthly installments

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 – 10.000 BAM
• Repayment period of up to 66 months
• Loan processing fee 1,00%
• The MCF 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 15,90% to 17,90% as laid out in the table below:

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

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

Table with an overview of monthly installments