SME Loans are offered to registered entrepreneurs (registered as: d.o.o., d.d., zadruga/ agriculture cooperative, s.p., s.t.r., z.r., etc.) that wish to improve or expand their businesses. Improve your business with EKI SME Loans under very favourable conditions.
- Loan Size: 1.000 – 50.000 KM
- Repayment Period up to 60 months
- Grace Period: up to 6 months
- Application Fee 1.5% – 2.5%
- Nominal Fixed Interest Rate:
from 16.00% (EKS FBiH/BD 18.04%; RS 18.04%)
up to 19.00% (EKS FBiH/BD 22.96%; RS 23.05%)
SME Loans for Legal Entities – Fixed Assets | |||||||
| Loan Size (KM) | Repayment Period / Months | ||||||
| 12 | 24 | 36 | 42 | 48 | 54 | 60 | |
| 1.000 | 93 | 51 | 37 | ||||
| 3.000 | 277 | 152 | 110 | ||||
| 4.000 | 369 | 202 | 147 | ||||
| 5.000 | 461 | 252 | 184 | ||||
| 6.000 | 551 | 300 | 217 | 194 | |||
| 8.000 | 734 | 400 | 290 | 259 | |||
| 10.000 | 917 | 500 | 362 | 323 | |||
| 15.000 | 1.369 | 742 | 535 | 477 | 433 | ||
| 20.000 | 1.820 | 984 | 709 | 630 | 572 | 528 | |
| 25.000 | 2.275 | 1.231 | 886 | 788 | 715 | 659 | |
| 30.000 | 2.729 | 1.477 | 1.063 | 945 | 858 | 791 | |
| 40.000 | 3.630 | 1.959 | 1.407 | 1.250 | 1.134 | 1.044 | 973 |
| 50.000 | 4.537 | 2.449 | 1.758 | 1.563 | 1.417 | 1.305 | 1.216 |
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.