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.
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|
|EIR FBiH/DB*||from 22,55%|
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 EIR in the Federation of BiH/Brčko District and the Republic of Srpska, for natural and legal persons, arises from different legal regulations. In addition to the above costs, the calculation of EIR includes the cost of the Bill of Exchange (except for loans up to/and 3,000 BAM with a repayment period of up to/and 12 months, which are approved without a Bill of Exchange), cost of verification of documents and the cost of intercalary interest, if it is calculated.|
* The calculation of EIR for loans to legal entities in the Federation of BiH/Brčko District of BiH does not include other costs related to loan security instruments, fees for verification of documents and other similar fees.
In the calculation of EIR for loans for legal entities in the territory of the Republic of Srpska, other costs include the costs of Bills of Exchange and costs related to loan security instruments, fees for obtaining and verifying documents and other similar fees.
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|
“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).”
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.