• SME Classic Loans

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    SME Classic Loans are designed for registered businesses, which require small investments to either start-up, improve or expand their business activities. EKI will help you improve your business with the SME Classic Loan and the simplest procedures.

    • Loan size from 300 to 10.000 BAM
    • Repayment period of up to 42 months
    • Grace period of max. 9 months
    • Loan processing fee 2,00%
    • 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 16,50% to 18,00% as laid out in the table below:
    Loan sizeUp to 4.000 BAMfrom 4.001 KM
    to 10.000 BAM
    Max. repayment period
    36 months42 months
    NIR18,00%16,50%
    EIR FBiH/DB21,35%19,33%
    EIR RS21,46%19,37%

    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/DBEIR RS
    SME Classic
    10.000 BAM42 months16,50%2,00%19,33%19,37%

    Tabela sa pregledom rata

    SME Classic Loans

    Iznos kredita (KM)Period otplate / mjeseci
    12243642
    1.0009250
    3.000275150
    4.000367200145
    6.000546295212189
    10.000910492354315

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