• 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 SizeUp to 4.000 BAMfrom4.001
    BAM to 10.000 BAM
    from10.001
    BAM to 20.000 BAM
    from 20.001
    BAM to 50.000 BAM
    Max. repayment period
    42 months66 months66 months84 months
    NIR19,00%17,50%16,50%14,50%
    EIR FBiH/DB*from 20,91%from 20,07%from 18,61%from 16,12%
    EIR RS20,89%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 LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB*EIR RS
    Agriculture
    10.000 BAM66 months17,50%2,00%20,07%20,06%

    Table with an overview of monthly installments

    Loans for Agriculture

    Loan Size (BAM)Repayment Period / months
    122436424860
    1.0009250 37
    3.000276151 110
    4.000369202 147131
    5.000457248 180 160 146 126
    6.000549298 215 192 175 151
    8.000732397 287 256 233 201
    10.000914497 359 320 291 251
    15.0001.365738 531 473 429 369
    20.0001.819984 708 630 572 492
    25.0002.2511.206 861 763 689 588
    30.0002.7011.447 1.033 915 827 706
    40.0003.6011.930 1.377 1.220 1.103 941
    50.0004.5012.412 1.721 1.525 1.379 1.176

    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.

    EFSE - Praktični vodič za poljoprivrednike

    EFSE - Praktični vodič za poljoprivrednike
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