Housing loans
Basic model

Housing loans give you the following benefits and possibilities
- Loan amount up to 300.000,00 KM.
- Loan repayment deadline up to 30 years.
- Big selection of loan security instruments according to client’s possibilities.
Fixed interest rate 3,39% (EIR 3,80%)*
Fixed interest rate | Fixed interest rate | Variable interest rate | Variable interest rate | Variable interest rate | |
---|---|---|---|---|---|
Amount KM | 5 years | 10 years | 15 years | 20 years | 30 years |
80.000 | 1.451 | 787 | 591 | 510 | 410 |
100.000 | 1.814 | 984 | 739 | 638 | 512 |
150.000 | 2.721 | 1.476 | 1.109 | 956 | 768 |
200.000 | 3.629 | 1.967 | 1.478 | 1.275 | 1.024 |
* Effective interest rate (EIR) for housing loan is calculated on 200.000 KM and repayment deadline of 120 months, for clients of the Bank. Calculation of EIR includes all costs which the loan beneficiary might bear (Fee for current account maintenance, fee for loan processing and maintenance, fee for CRL report, costs of bills of exchange, certifying necessary documentation, costs of insurance policies, estimate of real estate value and notary costs)
Loan is granted with fixed interest rate in KM currency up to 10 years. Loan is granted with variable interest rate and currency clause in EUR in accordance with the valid exchange rate of Central Bank, over 10 years.
Loan beneficiaries
- Residents with place of residence in Bosnia and Herzegovina and with regular monthly income.
Loan purpose and amounts
- Purchase, purchase with adaptation and construction of housing premises, houses, apartments, apartments for vacation and garage, purchase and communal landscaping under condition that urban plan approves construction on that land, in the amount from 30.000,00 KM to 300.000,00 KM.
- Adaptation, completion and upgrade of object in the amount from 30.000,00 KM to 60.000,00 KM.
Loan repayment deadline
- Up to 30 years for purchase, purchase with adaptation, construction, completion and upgrade, and for purchase and communal landscaping with construction.
- Up to 20 years for adaptation, completion and upgrade of object.
Loan security instruments
- Certified documents on salary foreclosure.
- 2 bills of exchange
- Mortgage on real estate (ration of loan and mortgage already from 1:1).
- Loan insurance policy endorsed in favor of the Bank.
- The Bank retains the right to request additional collateral depending upon criteria for risk estimate (employment company, credit history of applicant and similar
For more information please contact:
- E-mail stanovnistvo@intesasanpaolobanka.ba
- Free info phone 080 020 307
- Come to the closest branch of our Bank
Documentation
Housing construction
Housing loans – Model housing construction offers you the following benefits and possibilities
- Loan amount up to 150.000,00 EUR in counter value KM.
- Repayment deadline up to 30 years.
- Granting loans for purchase of real estate of housing premises, houses, apartments and business premises in the phase of construction.
- Payment of fee, deposit and other security instruments from the granted loan.
Fixed interest rate 3,39% (EIR 3,80%)*
Overview of housing loan instalments
Fixed interest rate | Fixed interest rate | Variable interest rate | Variable interest rate | Variable interest rate | |
---|---|---|---|---|---|
Amount KM | 5 years | 10 years | 15 years | 20 years | 30 years |
80.000 | 1.451 | 787 | 591 | 510 | 410 |
100.000 | 1.814 | 984 | 739 | 638 | 512 |
150.000 | 2.721 | 1.476 | 1.109 | 956 | 768 |
200.000 | 3.629 | 1.967 | 1.478 | 1.275 | 1.024 |
* Effective interest rate (EIR) for housing loan is calculated on 200.000 KM and repayment deadline of 120 months, for clients of the Bank. Calculation of EIR includes all costs which the loan beneficiary might bear (Fee for current account maintenance, fee for loan processing and maintenance, fee for CRL report, costs of bills of exchange, certifying necessary documentation, costs of insurance policies, estimate of real estate value and notary costs)
Loan is granted with fixed interest rate in KM currency up to 10 years. Loan is granted with variable interest rate and currency clause in EUR in accordance with the valid exchange rate of Central Bank, over 10 years.
Loan beneficiaries
- Residents with place of residence in Bosnia and Herzegovina and with regular monthly income.
Security instruments of loan
- Certified documents on salary foreclosure.
- 2 bills of exchange
- Mortgage on real estate (ration of loan and mortgage already from 1:1).
- Loan insurance policy endorsed in favor of the Bank
- Estimate of real estate value performed by court expert for real estate
- Copy of the Agreement on mortgage, made by the notary and LR excerpt with registered claim in favor of the Bank
- The Bank retains the right to request additional collateral depending upon criteria for risk estimate (employment company, credit history of applicant and similar
For more information please contact:
- E-mail stanovnistvo@intesasanpaolobanka.ba
- Free info phone 080 020 307
- Come to the closest branch of our Bank
Documentation
For purchase of business premise
Loan for purchase of business premise offer you the following possibilities and benefits
- NIR already from 3,99% (EIR 4,28%)*.
- Loans up to 300.000 KM.
- Repayment deadline up to 20 years.
Overview of loan instalments for purchase of business premise
Amount KM | 10 years | 15 years | 20 years |
---|---|---|---|
25.000 | 253 | 185 | 151 |
50.000 | 506 | 370 | 303 |
100.000 | 1.012 | 739 | 605 |
150.000 | 1.518 | 1.109 | 908 |
200.000 | 2.024 | 1.478 | 1.211 |
*Effective interest rate (EIR) for Loan for purchase of business premise is calculated to the maximum amount and repayment deadline, for clients of the Bank. Calculation of EIR includes all costs which the loan beneficiary might bear (Fee for current account maintenance, fee for loan processing and maintenance, fee for CRL report, costs of bills of exchange, certifying necessary documentation, costs of insurance policies, estimate of real estate value and notary costs)
Loan is granted with variable interest rate in KM currency up to 10 years.
Loan is granted with variable interest rate and currency clause in EUR in accordance with the valid exchange rate of Central Bank, over 10 years.
Loan beneficiaries
- Residents with place of residence in Bosnia and Herzegovina and with regular monthly income.
Loan purpose and amounts
- Purchase, purchase with adaptation and construction of business premises up to 300.000,00 KM.
- Adaptation, upgrade of object in the amount from 15.000,00 KM to 60.000,00 KM.
Loan security instruments
- Certified documents on salary foreclosure.
- 2 bills of exchange
- Mortgage on real estate (ration of loan and mortgage already from 1:1).
- Loan insurance policy endorsed in favor of the Bank.
- The Bank retains the right to request additional collateral depending upon criteria for risk estimate (employment company, credit history of applicant and similar).
For more information please contact
- E-mail stanovnistvo@intesasanpaolobanka.ba
- Free info phone 080 020 307
- Come to the closes branch of our Bank
DOCUMENTATION
Housing PLUS
Housing loans – HOUSING PLUS offers you the following possibilities and benefits
- Loan amount up to 150.000,00 EUR in counter value KM
- Repayment deadline up to 30 years
- Closing housing loans in Intesa Sanpaolo and/or other banks
Fixed interest rate 3,39% (EIR 3,59%)*
Fixed interest rate | Fixed interest rate | Variable interest rate | Variable interest rate | Variable interest rate | |
---|---|---|---|---|---|
Amount KM | 5 years | 10 years | 15 years | 20 years | 30 years |
80.000 | 1.451 | 787 | 591 | 510 | 410 |
100.000 | 1.814 | 984 | 739 | 638 | 512 |
150.000 | 2.721 | 1.476 | 1.109 | 956 | 768 |
200.000 | 3.629 | 1.967 | 1.478 | 1.275 | 1.024 |
Effective interest rate (EIR) for housing loan is calculated on 200.000 KM and repayment deadline of 120 months, for clients of the Bank. Calculation of EIR includes all costs which the loan beneficiary might bear (Fee for current account maintenance, fee for loan processing and maintenance, fee for CRL report, costs of bills of exchange, certifying necessary documentation, costs of insurance policies, estimate of real estate value and notary costs).
Loan is granted with fixed interest rate in KM currency up to 10 years. Loan is granted with variable interest rate and currency clause in EUR in accordance with the valid exchange rate of Central Bank, over 10 years.
Loan beneficiary
- Residents with place of residence in Bosnia and Herzegovina and with regular monthly income.
Loan purpose and amounts
- Early loan repayment of previously realized housing loans in the same and/or other banks in the amount up to 300.000,00 KM. .
- With housing loan, granted is also the general-purpose/substitute loan up to 50.000 KM under the price of housing loan.
Loan repayment deadline
- Repayment deadline of housing loan up to 30 years.
- Repayment deadline of general purpose/substitute loan up to 10 years.
Interest rate
- NIR already from 3,39% (EIR 3,59%)*
* Effective interest rate (EIR) for housing loan is calculated on 200.000 KM and repayment deadline of 120 months, for clients of the Bank. Calculation of EIR includes all costs which the loan beneficiary might bear (fee for current account maintenance, fee for loan processing and maintenance, fee for CRL report, costs of bills of exchange, certifying necessary documentation, costs of insurance policy, estimate of real estate value and notary costs).
Loan is granted with fixed interest rate in currency KM up to 10 years. Loan is granted with variable interest rate and currency clause in EUR in accordance with the valid exchange rate of Central Bank, over 10 years.
Loan security instruments
- Certified documents on salary foreclosure.
- 2 bills of exchange.
- Mortgage on real estate
- Insurance policy on real estate endorsed in favor of the Bank.
- The Bank retains the right to request additional collateral depending upon criteria for risk estimate (employment company, credit history of applicant and similar)
For more information please contact:
- E-mail: stanovnistvo@intesasanpaolobanka.ba
- Free info phone 080 020 307
- Come to the closest branch of our Bank
Documentation
Kvadrat plus loan – housing loan without mortgage
Kvadrat plus loans give you the following possibilities and benefits
- Housing loan without mortgage.
- Fixed interest rate.
- Loan amount up to 50.000 KM.
- Loan repayment deadline up to 10 years.
- Loan with insurance policy.
Kvadrat plus with NIR already from 3,19% (EIR 5,11%)*
Informative overview of the installment of a housing loan without a mortgage with a FIXED interest rate
Amount KM | 3 years | 5 years | 7 years | 10 years |
---|---|---|---|---|
10.000 | 294 | 183 | 135 | 100 |
20.000 | 588 | 366 | 271 | 200 |
30.000 | 882 | 548 | 406 | 299 |
40.000 | 1.175 | 731 | 541 | 399 |
50.000 | 1.469 | 914 | 676 | 499 |
* Effective interest rate (EIR) for housing loan without mortgage is calculated to the maximum amount of 50.000 KM and repayment deadline of 120 months, for clients of the Bank, taking into consideration all costs which the loan beneficiary might bear (fee for processing, loan and current account maintenance, fee for CLR report, costs of insurance policy, costs of bills of exchange and certifying necessary documentation for client of the Bank).
Loan is granted with fixed and variable interest rate in currency KM.
Loan beneficiary
- Residents with place of residence in Bosnia and Herzegovina and with regular monthly income.
Loan purpose
- Purchase of real estate, purchase with adaptation and construction of housing premises, houses, apartments, vacation homes and garages.
- Repayment of housing loans and other loans for which it can be established, that is, documented, that they were used for the same purpose, and they were previously realized in the same bank or the other bank.
Loan security instruments
- Certified documents on salary foreclosure.
- 2 bills of exchange.
- Insurance policy of loan.
- The Bank retains the right to request additional collateral depending upon criteria for risk estimate (employment company, credit history of applicant and similar.
For more information please contact:
- E-mail stanovnistvo@intesasanpaolobanka.ba
- Free info phone 080 020 307
- Come to the closes branch of our Bank
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.
NOTICE: The loan calculator is for informational purposes only. Exact values are provided in our offices.