• Loans for Households

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    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 20.000 BAM
    • Repayment period of up to 66 months
    • Loan processing fee from 2,00% up to 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:
    Microcredit Foundation EKI offers loans from 300 to 10.000 BAM, while the Microcredit Company EKI offers loans from 300 to 50.000 BAM. All terms for the loans up to 10.000 BAM are identical and apply to both organizations. The terms for loans over 10.000 BAM apply only to the Microcredit Company EKI.
    Loan sizeUp to 4.000 BAMFrom 4.001 BAM
    to 10.000 BAM
    From 10.001 BAM
    to 20.000 BAM
    Max. repayment period
    42 months60 months66 months
    EIR FBiH/DB/RS27,09%25,31%23,69%

    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 LoanLoan SizeRepayment PeriodNIRLoan Processing FeeEIR FBiH/DB/RS
    10.000 KM60 months21,50%2,50%25,31%

    Table with an overview of monthly installments

    Loans for Households

    Loan Size (BAM)Repayment Period / months


    By using the Loan Calculator, you can get approximate information regarding the size of monthly installments, the repayment plan and the total debt for the loan you are interested in.

    Note: The data on installments and EIR are of informational character and serve the purpose of general information, while it may differ from the official EKI terms at the time of loan application. Please contact your nearest EKI office for detailed information.

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