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:
|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 size||Up to 4.000 BAM||From 4.001 BAM|
to 10.000 BAM
|Max. repayment period||42 months||60 months|
|EIR FBiH/DB*||from 27,22%||from 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|
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.