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Apartment building


Housing loans bring possibilities and benefits as follow

  • Loan amount up to 300.000,00 KM
  • Repayment period up to 30 years
  • great selection of collateral combinations of loans in accordance with clients' possibilities

Apartment building loans with NIR starting from 2,99 % (EIR 3,45%)*

Installment review for housing loans

Ammount KM

10 years

15 years

20 years

25 years

30 years

30.000

295,25

218,91

178,65

155,06

139,79

50.000

492,09

364,85

297,75

258,43

232,98

100.000

984,18

729,71

595,49

516,86

465,96

150.000

1.476,27

1.094,56

893,24

775,28

698,94

200.000

1.968,36

1.459,41

1.190,99

1.033,71

931,91

250.000

2.460,45

1.824,26

1.488,73

1.292,14

1.164,89

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, disbursment 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


Loan beneficiaries

  • BiH residents with regular monthly income

Collateral

  • Certified documents on account foreclosure
  • 2 bills of exchange
  • Mortgage (value credit- property value ratio 1:1)
  • 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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