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 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%
- 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/RS | 22,35% | 20,04% |
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 loan | Loan Size | Repayment Period | NIR | Loan Processing Fee | EIR FBiH/DB/RS |
| Agriculture | 10.000 BAM | 66 months | 17,50% | 2,00% | 20,04% |
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 | |
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 | |
Ekspres pozajmice su namijenjene za ulaganja u mali biznis, poljoprivredu i unapređenje uslova vašeg domaćinstva.
- Iznos kredita 300 – 3.000 KM
- Rok otplate do 18 mjeseci
- Grejs period max. 3 mjeseca
- Troškovi obrade 0,00%
- MKF 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:
| Iznos | do 3.000 KM |
| Max. rok otplate | 18 mjeseci |
| NKS | 19,00% |
| EKS FBiH/DB/RS | 20,88% |
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 kredita | Iznos kredita | Rok otplate | NKS | Troškovi obrade | EKS FBiH/DB/RS* |
| Ekspres pozajmice | 3.000 KM | 18 mjeseci | 19,00% | 0,00% | 20,88% |
Tabela sa pregledom rata
Ekspres pozajmice | |||||||
| Iznos kredita (KM) | Period otplate / mjeseci | ||||||
| 12 | 18 | ||||||
| 300 | 28 | 19 | |||||
| 1.000 | 92 | 64 | |||||
| 2.000 | 184 | 129 | |||||
| 3.000 | 276 | 193 | |||||
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 | ||||
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 | |
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 0,00%
- 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/RS | 23,82% | 21,38% |
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/RS |
| Housing | 10.000 BAM | 60 months | 19,50% | 0,00% | 23,82% |
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 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 | |||
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.