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Collateral loan

Loan beneficiaries

  • BiH residents with regular monthly income

Loan purpose and amount

  • general-purpose,
  • the amount of granted general-purpose collateral loan with special-purpose deposit is granted up to amount of 99% of special-purpose deposit.

Loan repayment period

  • maximum period of repayment is 120 months for general-purpose collateral loan contracted with instalment repayment
  • maximum period of repayment is 60 months for general-purpose collateral loan contracted with one-time repayment

Interest rate

  • With deposit without interest rate - NIR 2,00% (EIR FBiH, DB i RS 2,60%)*
  • With deposit with interest rate – NIR is 3% higher than the interest rate on contracted by collateral (EIR FBiH, DB i RS 8,68%)*

* EIR - Effective interest rate being calculated for loan amount of 50.000,00 on maximum repayment period In calculation of EIR we also included all costs that can be paid by client (fee for current account, disbursement fee, credit account fee, costs for bill of exchange, and expense for certifying of documentation)


Collaterals

  • certified documents on account foreclosure
  • term-deposit as collateral for loan

For more information contact us:

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