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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 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:
    Loan Size Up to 4.000 BAM from 4.001 KM
    to 10.000 KM
    Max. rok otplate
    42 months 66 months
    NIR 19,00% 17,50%
    EIR FBiH/DB* from 20,91% from 20,07%
    EIR RS 20,89% 20,06%

    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% from 20,07% 20,06%

    Table with an overview of monthly installments

    Loans for Agriculture

    Loans 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
    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:
    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.
    Loan size up to 2.000 BAM
    Max. repayment period
    36 months
    NIR 19,50%
    EIR FBiH/DB* from 22,55%
    EIR RS 22,50%

    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 Loan Loan Size Repayment Period NIR Loan Processing Fee EIR FBiH/DB* EIR RS
    Loan for Pensioners
    2.000 BAM 36 months 19,50% 1,00% from 22,55% 22,50%

    Table with an overview of monthly installments

    Loan for Pensioners

    Loan Size (BAM)
    Repayment Period / months
    12 24 36
    300 28 15 11
    1.000 92 51 37
    2.000 185 101 75
    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:
    Iznos do 2.000 KM
    Max. rok otplate
    12 mjeseci
    NKS 18,00%
    EKS FBiH/DB* od 20,42%
    EKS RS 20,30%

    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 kredita Iznos kredita Rok otplate NKS Troškovi obrade EKS FBiH/DB* EKS RS
    Ekpres pozajmice
    2.000 KM 12 mjeseci 18,00% 0,00% od 20,42% 30,30%

    Tabela sa pregledom rata

    Ekspres pozajmice – potencijalni klijenti

    Iznos kredita (KM) Period otplate / mjeseci
    12
    300 27
    1.000 92
    2.000 183
    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:
    Iznos do 3.000 KM
    Max. rok otplate
    12 mjeseci
    NKS 18,00%
    EKS FBiH/DB* od 19,79%
    EKS RS 19,72%

    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 kredita Iznos kredita Rok otplate NKS Troškovi obrade EKS FBiH/DB* EKS RS
    Ekpres pozajmice
    3.000 KM 12 mjeseci 18,00% 0,00% od 19,79% 19,72%

    Tabela sa pregledom rata

    Ekspres pozajmice – aktivni klijenti

    Iznos kredita (KM) Period otplate / mjeseci
    12
    300 27
    1.000 92
    2.000 183
    3.000 275
    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 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

    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:
    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
    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 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:
    Loan size Up to 4.000 BAM from 4.001 BAM
    to 10.000 BAM
    Max. repayment period
    42 months 60 months
    NIR 21,50% 19,50%
    EIR FBiH/DB* from 25,55% from 22,57%
    EIR RS 25,53% 22,57%

    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
    10.000 BAM 60 months 19,50% 2,00% 22,57% 22,57%

    Table with an overview of monthly installments

    Housing Loans

    Loan Size (BAM) Repayment Period / months
    12 24 36 42 60
    1.000 93 52 38
    3.000 280 155 114
    4.000 373 207 152 136
    5.000 462 253 185 165 131
    8.000 739 405 295 264 210
    10.000 924 507 369 330 262
    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 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:
    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 21,3846 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%

    Table with an overview of monthly installments

    SME Classic Loans

    Loan Size (BAM) Repayment Period / months
    12 24 36 42
    1.000 92 52
    3.000 275 150
    4.000 367 200 145
    6.000 546 295 212 189
    10.000 910 492 354 315
    Refinancing 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 – 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:
    Loan size Up to 4.000 BAM From 4.001 KM
    to 10.000 KM
    Max. repayment period
    42 months 66 months
    NIR 17,90% 15,90%
    EIR FBiH/DB* from 20,36% 17,66%
    EIR RS 20,34% 17,66%

    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
    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

    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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