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Collateral loans

Loan beneficiaries

  • BiH residents with regular monthly income and BiH citizens working abroad with or without regular monthly income, with the obligation of having collateral, special-purpose deposit. In case the client does not have regular monthly incomes, then s/he has to document incomes that will be used for loan repayment
  • As at the final loan due date, loan beneficiary, solidary debtor and solidary guarantor shall not be older than 70 only if the collateral is special-purpose deposit

Loan purpose and amount

  • general-purpose, without the currency clause in local currency and with currency clause in currency in which special-purpose deposit was placed, collateral only in EUR
  • the amount of granted general-purpose collateral loan with special-purpose deposit is granted up to amount of 99% of special-purpose deposit
  • in case the loan beneficiary uses multiple general-purpose collateral loans with special-purpose deposit as collateral, individual special-purpose deposits are to be contracted for each general-purpose collateral loan

Loan repayment period

  • minimum period of repayment is 6 months, while the maximum period of repayment is 120 months for general-purpose collateral loan contracted with instalment repayment
  • minimum period of repayment is 6 months, while the maximum period of repayment is 60 months for general-purpose collateral loan contracted with one-time repayment

Interest rate by loan

  • Up to two (2) percentage points higher than the interest contracted by collateral  

Loan repayment

  • loans are granted without currency clause in local currency, in case the collateral is special-purpose deposit in local currency or with currency clause in EUR
  • repayment will start on the day set forth by loan beneficiary but this date cannot be set outside the period of three (3) months starting from the day the collateral loan started being utilized

Fees

  • 20.00 KM – receiving, processing applications and granting lombard loans  (100% covered with term special-purpose deposit)

Collaterals

  • certified documents on account foreclosure upon consent of collateral loan beneficiary
  • certified documents on foreclosure of regular incomes from collateral loan beneficiary as set forth into Agreement on General-Purpose Collateral Loan
  • certified documents on foreclosure of funds from all accounts opened in the Bank from collateral loan beneficiary as set forth into Agreement on General-Purpose Collateral Loan 

Securing the loan with special-purpose deposit

  • In order to secure the collateral loan, loan beneficiary has to place a term special-purpose deposit in local or foreign currency (only in EUR) in the amount of 1% higher than the amount of granted loan. Special-purpose deposit is placed as term deposit for the period at least equal to loan repayment period (but this period can be longer than the loan period as well), without automatic renewal and with contracted variable/fixed interest rate.

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