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Loans interest rates

INSTALLMENT REVIEW FOR ALL LOANS

Loan

Repayment period

NIR (starting from)

EIR (starting from)

Type of interest rate

General purpose loan

12 months

3,99%

8,20%

Fixed

General purpose loan

120 months

5,39%

6,94%

Variable

Housing loan

60 months

2,99%

3,45%

Fixed

Housing loan

360 months

3,80%

3,98%

Variable

Loan for purchasing of business premise

240 months

4,99%

5,32%

Variable

Housing loan PLUS

120 months

2,99%

3,45%

Variable

Housing loan PLUS

360 months

3,80%

3,98%

Variable

Car loans

84 months

4,79%

6,99%

Variable

Pensioners loan

120 months

6,69%

11,03%

Fixed

Mortgage loan

120 months

4,99%

5,58%

Fixed

Mortgage loan

120 months 3,70% 4,19% Variable

Mortgage loan

240 months

4,59%

4,96%

Variable

Collateral loan

120 months

2,00%

2,60%

Fixed

Substitute loan

12 months

1,00%

2,26%

Fixed

Substitute loan

120 months

5,29%

6,58%

Variable

EIR - Effective interest rate for loans with mortgage being calculated for maximum loan amount on 60 months and maximum fee. In calculation of EIR we also included all costs that can be paid by client (fee for current account, disbursement fee, credit account fee, insurance policy, costs for bill of exchange, and expense for certifying of documentation, cost for property assessment and costs for mortgage contract).

EIR - Effective interest rate for loans without mortgage being calculated for maximum loan amount on 60 months and maximum fee. In calculation of EIR we also included all costs that can be paid by client (fee for current account, disbursement fee, credit account fee, insurance policy, costs for bill of exchange, and expense for certifying of documentation, cost for property assessment and costs for mortgage contract).

Credit will be approve with fix interest rate in KM up to 10 years repayment period.

All loans with repayment period more 10 years will be approve with variable interest rate with EUR clause based on exchange rates of Central Bank B&H.


Interest rate for delayed payment

 

For overdue, but not paid receivables, Bank will charge interest rate on delayed payment on retail loans. This interest rate will be calculate based on number of days between regular installment day and day when installment is really paid. High of interest rate for delayed payment is define by law and it is subjected to changes in law.

Interest rate for delayed payment is calculate on the same level as interest rate for delayed payment define by law. Those loans who has bigger nominal interest rate then interest rate for delayed payment interest rate for delayed payment will calculated on the same level as nominal interest rate.

Interest rate for delayed payment is calculate based on real number of days in the year (365/355 days per year) using conform method and discursive method.

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