alt=”General-purpose loans” title=”General-purpose loans”/>

General-purpose loans

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Reasons you will love it

Loan amount up to 50.000 KM.

Repayment deadline up to 10 years.

Loan with or without insurance policy.

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General-purpose loans give you the following possibilities and benefits:

  • Loan amount up to 50.000 KM
  • Repayment deadline up to 10 years
  • Loan with or without insurance policy

General-purpose loan with insurance policy

For a repayment period of 5 years, FIXED NIR from 3.99% (EIR 5.97%)*

Amount KM3 years5 years7 years10 years
10.000306196
148
114
20.000600378
288
218
30.000886
552424
318
40.0001181
736
565
424
50.0001476
921
706
530

 

* Effective interest rate (EIR) for general-purpose loan is calculated with fixed interest rate, to the maximum amount 50.000 KM and repayment deadline 60 months. Calculation of effective interest rate includes all costs which the loan beneficiary might bear (fee for current account maintenance, fee for loan processing and maintenance, fee for CLR report, costs of insurance policy, cost of bills of exchange and certifying necessary documentation for client of the Bank).

Loan is granted with fixed or variable interest rate in KM currency.


General-purpose loan without insurance policy 

NIR 5,80% (EIR 6,56%)*

Overview of instalment of general-purpose loan

Amount KM3 years5 years7 years

10 years
10.000311
200
153
118
20.000612
390
296
226
30.000910
577
435
330
40.0001213
770
581
440
50.0001517
962
726
550

* Effective interest rate (EIR) for general-purpose loan is calculated with fixed interest rate, to the maximum amount 50.000 KM and repayment deadline 120 months. Calculation of effective interest rate includes all costs which the loan beneficiary might bear (fee for current account maintenance, fee for loan processing and maintenance, fee for CLR report, cost of bills of exchange and certifying necessary documentation for client of the Bank).

Loan is granted with fixed or variable interest rate in KM currency.

Loan beneficiary

    • Residents with place of residence in Bosnia and Herzegovina with regular monthly income.

Loan security instruments

    • Certified documents on salary foreclosure.
    • 2 bills of exchange.
    • Loan insurance policy – depending if the insurance policy is loan security instrument.
    • The Bank retains the right to demand additional collateral depending upon criteria for risk estimate (employment company, credit history of applicant and similar).

For more information please contact:

Documentation

Loan calculator

The loan calculator calculates the monthly instalment or total loan amount.
It is necessary to enter the loan duration and nominal interest, as well as the desired loan amount or the desired monthly installment.

Loan duration in years

Nominal interest %

Loan amount in KM

Monthly payment in KM

NOTICE: The loan calculator is for informational purposes only. Exact values are provided in our offices.