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General-purpose loans

Cash loans have the following conveniences:

  • Regular interest rate starting from 10.99% with currency clause in EUR (EIR 12.12%*)
  • Loan model with and without guarantors and deposits
  • Loan amount up to 25,000.00 EUR in KM countervalue without guarantors with creditworthy loan applicant or solidary debtor
  • Disbursement to savings or current account of loan beneficiary opened in the Bank
  • Payment of fee from granted loan
  • Selection of repayment date of monthly annuities at any date in the first half of month with possible calculation of intercalary interest
  • More favourable calculation of creditworthiness

Loan beneficiaries

  • BiH residents with regular monthly income and BiH citizens working abroad with or without regular monthly income, with the obligation of having creditworthy solidary debtor who is BiH resident having regular monthly income
  • As at the final loan due date, loan beneficiary shall not be older than 65, while the solidary debtor and solidary guarantor shall not be older than 70

Purpose and loan amount

  • General-purpose loan in the amount up to 2,500.00 EUR in KM countervalue

Loan repayment period

  • Up to 10 years

Loan interest rate

  • Starting from 10.99%, annual, variable,  for loans with currency clause in EUR (EIR 12.12%*)
* EIR - Effective interest rate being calculated for maximum loan amount, maximum loan repayment and maximum fee for loan processing

Fees

  • 2.00% of granted loan amount

Collaterals

  • Certified documents on account foreclosure upon acceptance of all loan participants
  • Blank bills of exchange signed by all loan participants
  • Loan model with guarantors or without guarantors
  • For loan beneficiaries receiving their personal incomes to current account in the Bank for at least a month and having regular operations by it 
    • Up to 25,000.00 EUR in KM countervalue without guarantors with creditworthy loan applicant or solidary debtor
  • For loan beneficiaries who do not receive their personal incomes to current account in the Bank
    • Up to 20,000.00 EUR in KM countervalue without guarantor with creditworthy loan applicant or solidary debtor

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 information contact us:

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