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Housing loans without mortgage


Housing loans without mortgage bring possibilities and benefits as follow

  • Housing loans without mortgage
  • Fix interest rate
  • Amount up to 50.000,00 KM
  • Repayment period up to 10 years
  • Loans with insurance policy

Housing loans without mortgage with NIR starting from 4,10% (EIR 4,54%)*

Installment review for housing loans without mortgage

Ammount KM

3 years

5 years

7 years

10 years

10.000

295,68

184,62 140,40 105,09

20.000

591,37 369,23 280,80 210,18

30.000

887,05 553,85 421,20 315,27

40.000

1.182,74 738,47 561,60 420,36

50.000

1.478,42 923,08 702,01 525,45

EIR - Effective interest rate 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)

Credit are approve with fix interest rate in KM

 


Loan beneficiaries

  • BiH residents with regular monthly income

Purpose of loan

  • Purchase, purchase with adaptation and construction of apartments, houses, weekend houses, garage spaces
  • Repayment of housing loans or other kinds of loans  which are used for renovation, construction or similar purpose.

Collateral

  • Certified documents on account foreclosure
  • 2 bills of exchange
  • Insurance policy for property
  • The Bank retains its right to ask for additional collateral depending on criteria for risk assessment (applicant's credit history) or to reject client's application due to information available to the Bank

For more contact us

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