• Loans for Pensioners

    Do not wait for your pension and do not worry about ensuring heating supplies, winter food supplies or other personal and business needs. EKI is thinking of you and is offering you a loan for pensioners in the amount of up to 2.000 BAM with installments adjusted to your pension and your possibilities. Fast, easy, simple and accessible.

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    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:
    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 74

    “Vaš zahtjev za kredit možete podnijeti i putem on-line obrasca. Dovoljno je da odaberete formu za fizička ili formu za pravna lica, zavisno od potrebe, popunite ponuđena polja i odaberete opciju “pošalji”. U najkraćem mogućem roku će Vas kontaktirati EKI kreditni službenik, dogovoriti potpisivanje zahtjeva za kredit i uputiti u proceduru, koja između ostalog podrazumijeva i provjeru Vaše kreditne istorije (CRK).”

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    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.

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