Small Business Loans are offered to entrepreneurs with small-scale businesses, who wish to start, improve or expand their business. EKI small business loans will help you start a new business, improve your existing business, or to increase the number of employees and ensure new jobs, with attractive interest rates and simple procedures.
- Repayment period: up to 60 months
- Loan Size: 300 KM to 20.000 KM
- Grace Period: up to 6 months
- Application Fee: 2%
- Nominal Fixed Interest Rate:
from 16.50% (EIR FBiH/BD 18.61%; RS 18.62%)
up to 22.00% (EIR FBiH/BD 26.20%; RS 26.35%)
Small Business Loans | |||||||
| Loan Size (KM) | Repayment Period / Months | ||||||
| 12 | 24 | 36 | 42 | 48 | 60 | ||
| 1.000 | 94 | 52 | 39 | ||||
| 3.000 | 281 | 156 | 115 | ||||
| 4.000 | 373 | 206 | 151 | 136 | |||
| 5.000 | 458 | 249 | 180 | 160 | 146 | 126 | |
| 6.000 | 549 | 299 | 216 | 193 | 175 | 151 | |
| 8.000 | 732 | 398 | 288 | 257 | 233 | 201 | |
| 10.000 | 915 | 497 | 359 | 321 | 292 | 252 | |
| 15.000 | 1.369 | 742 | 535 | 477 | 433 | 373 | |
| 20.000 | 1.820 | 984 | 709 | 630 | 572 | 492 | |
Explanation of the EIR Calculation
The Effective Interest Rate (EIR) is the cost borne by the Borrower after all expenses and charges related to the loan are included in the calculation of interest rate. EIR is calculated for the maximum loan size, the maximum repayment term and the maximum fee for processing the loan.
Explanation of different EIR for the Federation of BiH, Brčko District and the Republic of Srpska
Different percentage of EIR for loans implemented in FBiH, RS and BD is the result of different legal regulations in these areas that regulate different ways of expressing EIR or define different costs that are included in the calculation of EIR. The EIR in FBiH is calculated for the maximum size of the loan, the maximum repayment term and the maximum fee for processing the loan. The calculation of the EIR for loans realized in the RS additionally included all other known fees and expenses directly related to the approval and use of the loan (expenses of the bill of exchange, the cost of certification/verification of documents, and other costs that are charged depending on the type of loan).
Definitions:
EIR – Effective Interest Rate; FBiH – Federation of BiH; BD – Brčko District; RS – Republic of Srpska
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.