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Substitute loans

Substitute loans have the following possibilities and advantages:

  • Regular interest rate starting from 7.30% with currency clause in EUR (EIR 7.68%*)
  • loan models with and without guarantors
  • loan amount up to 20,000.00 EUR in KM countervalue to loan beneficiaries with regular monthly incomes received to current account in the Bank for at least a month, carrying out regular operations by it
  • loan amount up to 15,000.00 EUR in KM countervalue to loan beneficiaries who do not receive regular monthly incomes to current account in the Bank
  • disbursement of at least 50% of granted funds is used for settlement of existing regular loan liabilities of clients in other banks, while the residual portion of loan is disbursed in cash to savings or current account of loan beneficiary opened in the Bank
  • payment of fees 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 beneficiary

  • 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 due date of the last annuity, loan beneficiary shall not be older than 65, while solidary debtors and/or solidary guarantors with regular monthly income shall not be older than 70

Purpose and loan amount

  • Substitute loans in the amount up to 20,000.00 EUR in KM countervalue

Loan repayment period

  • Up to 10 years

Loan interest rate

  • Starting from 7.30% annually, variable, for loans with currency clause in EUR (EIR from 7.68%*)
* EIR - Effective interest rate being calculated for maximum loan amount, maximum loan repayment and maximum fee for loan processing

Fees

  • 0.50% of granted loan amounts

Collaterals

  • certified documents on account foreclosure upon consent of all loan participants
  • blank bills of exchange signed by all loan participants
  • model of loans with guarantor or without guarantors
  • for loan beneficiaries receiving regular monthly income to current account in the Bank for at least a month by which s/he carries out regular operations
    • for loans up to 10,000.00 EUR in KM countervalue, no creditworthy solidary guarantor is needed, but the document on salary foreclosure has to be activated  
    • for loans from 10,001.00 EUR to 20,000.00 EUR in KM countervalue, at least one creditworthy solidary guarantor is needed
  • for loan beneficiaries who do not receive regular monthly incomes to current account in the Bank
    • for loans up to 5,000.00 EUR in KM countervalue,  no creditworthy solidary guarantor is needed, but the document on salary foreclosure has to be activated 
    • for loans from 5,001.00 EUR to 15,000.00 EUR in KM countervalue, at least one creditworthy solidary guarantor is needed
  • The Bank retains its rights to ask for additional collateral depending on criteria for risk assessment (company where the loan applicant works, credit history of loan applicant) or to reject the client due to information available to the Bank

For more information contact us:

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