• 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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    KPEKI.ba 2

    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 sizeup to 2.000 BAM
    Max. repayment period
    36 months
    NIR19,50%
    EIR FBiH/DB/RS22,29%

    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
    Loan for Pensioners
    2.000 BAM36 months19,50%1,00%22,29%

    Table with an overview of monthly installments

    Loan for Pensioners

    Loan Size (BAM)
    Repayment Period / months
    122436
    300281511
    1.000925137
    2.00018510175

    “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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