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Substitute loans

APLICATION FORM DOWNLOAD HERE


Substitute loans bring possibilities and benefits as follow:

  • Loan amount up to 50.000,00 KM
  • Repayment period up to 10 years
  • Loans with fix or variable interest rate
  • Repayment of loans in other banks

Substitute loans with NIR starting from 1,00% (EKS 2,26%)*

Installment review for general purpose loans with fixed interest:

AMMOUNT KM 3 YEARS 5 YEARS 7 YEARS 10 YEARS
10.000 296,53 185,48 142,71 107,49
20.000 593,06 370,95 285,41 214,98
30.000 889,59 556,43 428,12 322,47
40.000 1.186,13 741,91 570,82 429,95
50.000 1.482,66 927,38 713,53 537,44

 

* EIR - Effective interest rate being calculated for maximum loan in amount of 50.000,00 KM on 12 months. 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).  

Loans are with fix and variable interest rate in KM   


Loan beneficiaries

  • BiH residents with regular monthly income

Collateral

  • Certified documents on account foreclosure
  • 2 bills of exchange
  • Insurance policy
  • 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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