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General-purpose loans for retired persons

Cash loans for retired persons have the following conveniences:

  • Regular interest rate starting from 9.99% with currency clause in EUR (EIR 12.55%*)
  • Loan model without guarantors and deposits
  • Loan amount from 250.00 EUR to 2,500.00 EUR in KM countervalue
  • Disbursement to savings or current account of loan beneficiary opened in the Bank
  • Payment of fee, deposit and other collaterals from granted loan
  • Selection of repayment date of monthly annuities at any date in the first half of month
  • 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, solidary debtor and solidary guarantor shall not be older than 70

Purpose and loan amounts

  • General-purpose loan in the amount from 250.00 EUR to 2,500.00 EUR in KM countervalue

Loan repayment period

  • Up to 5 years

Loan interest rate

  • Starting from 9.99%, annual, variable,  for loans with currency clause in EUR (EIR 12.55%*)
* EIR - Effective interest rate being calculated for maximum loan amount, maximum loan repayment and maximum fee for loan processing 


  • 1.40% of granted loan amountat least 20,00 KM, with repayment period up to 36 months
  • 2.00 % of granted loan amount, at least 30,00 KM, with repayment period over 36 months


  • Certified documents on account foreclosure upon acceptance of all loan participants
  • Blank bills of exchange signed by all loan participants
  • 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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