• Loans for Agriculture – up to 10.000 BAM

    No loan processing fee

    Important notice for farmers and agriculturists

    Fall Special Offer of loans for agriculture without loan processing fees. Get ready for the fall and complete all your works in agriculture with the loans of up to 10.000 BAM without loan processing fees being charged.

    ** The Special Offer applies to the loans for agriculture of up to 10.000 BAM (including the loan size of 10.000 BAM), for which the beneficiaries will submit their loan applications in September and October 2019.

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    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 0,00% **
    • 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 SizeUp to 4.000 BAMfrom 4.001 KM
    to 10.000 KM
    Max. rok otplate
    42 months66 months
    NIR19,00%17,50%
    EIR FBiH/DB*from 20,91%from 19,04%
    EIR RS20,89%19,03%

    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 PeriodNIR** Loan Processing FeeEIR FBiH/DB*EIR RS
    Agriculture
    10.000 BAM66 months17,50%0,00%from 19,04%19,03%

    Table with an overview of monthly installments

    Loans for Agriculture

    Loans Size (BAM)Repayment Period / months
    122436424860
    1.000925037
    3.000276151110
    4.000369202147131
    5.000457248180160146126
    6.000549298215192175151
    8.000732397287256233201
    10.000914497359320291251

    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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