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Mortgage loan

Mortgage loans bring possibilities and benefits as follow

  • NIR starting from 3,70% (EIR 4,16%)*
  • Loan amount up 300.000,00 KM
  • Repayment period up to 20 years
  • Usage of loans would not be control from bank

Installment review for mortgage loans

Ammount KM

5 years

10 years

15 years

17 years

20 years


548,44 299,48 230,88 212,09 191,26


914,07 499,13 384,80 353,48 318,76


1.828,14 998,25 769,60 706,96 637,52


2.742,22 1.497,38 1.154,40 1.060,44 956,28


3.656,29 1.996,51 1.539,20 1.413,92 1.275,04

EIR - Effective interest rate being calculated for maximum loan amount on 120 months repayment period. In calculation of EIR we also included all costs that can be paid by client (fee for current account, disbursment fee, credit account fee, insurance policy, costs for bill of exchange, and expense for certifying of documentation, cost for property assessment and costs for mortgage contract)

Loans will be approve with fix interest rate in KM up to 10 years repayment period.

All loans with repayment period more 10 years will be approve with variable interest rate with EUR clause based on exchange rates of Central Bank B&H.

Loan beneficiaries

  • BiH residents with regular monthly income


  • Certified documents on account foreclosure
  • 2 bills of exchange
  • Mortgage (credit- property value in  ratio 1:0,8)
  • Insurance policy for property
  • 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

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