SME Premium Loans are designed for registered businesses, which need major investments for improving or expanding their business activities. With the EKI SME Premium Loan you can purchase raw materials, machines, and equipment for your business, you can also construct or purchase a business facility and enrich your business with some other types of current or fixed assets that you need.
- Loan size from 10.001 to 50.000 BAM
- Repayment period of up to 60 months
- Grace period of max. 9 months
- Loan processing fee 1,00% to 1,50%
- 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 15,00% to 16,00% as laid out in the table below:
| Loan size | from 10.001 BAM to 20.000 BAM | from 20.001 BAM to 50.000 BAM |
| Max. repayment period | 54 months | 60 months |
| NIR | 16,00% | 15,00% |
| EIR FBiH/DB | 18,14% | 16,63% |
| EIR RS | 18,16% | 16,63% |
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 between the Federation of BiH/Brčko District and the Republic of Srpska arises from different legal regulations. The calculation of EIR, in addition to the above costs, 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 effective interest rate (EIR) is shown through an example without calculating the cost of verification of mandatory documents for loan approval. In case of verification of mandatory or additional documents by the competent state body in the Federation of BiH/Brčko District of BiH and Republic of Srpska, the costs of verification will be included in the calculation of EIR in the manner regulated by the decisions of the Banking Agency. |
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 |
| SME Premium | 20.000 BAM | 54 months | 16,00% | 1,50% | 18,14% | 18,16% |
Table with an overview of monthly installments
SME Premium Loans | |||||||
| Loan Size (BAM) | Repayment Period / months | ||||||
| 24 | 36 | 48 | 54 | 60 | |||
| 12.000 | 588 | 422 | 340 | 313 | |||
| 15.000 | 734 | 527 | 425 | 391 | |||
| 20.000 | 979 | 703 | 567 | 522 | |||
| 30.000 | 1.455 | 1.040 | 835 | 767 | 714 | ||
| 50.000 | 2.424 | 1.733 | 1.392 | 1.279 | 1.190 | ||