Our flexible and long-term relationship with our clients, combined with attractive lending terms, help you make home improvements or buy a new home quickly and conveniently.
| Description | Terms |
|---|---|
| Loan amount | from BAM 100.000 to BAM 500.000 |
| Repayment period | up to 20 years |
| Nominal interest rate (starting from) |
3,39 % – up to 10 years |
| Effective interest rate* (starting from) |
3,70 % |
| Processing fee | 0,50 % |
| Collateral | Deposit, mortgage or combination of different collaterals |
| * Effective interest rate is calculated for amount BAM 100.000,00, period of 10 years and 3,39% fixed interest rate.
Effective Interest Rate also includes: – Credit Batch Maintenance ( 2 BAM/monthly) – Notary fee (500 KM / one time fee) – Appraisal fee ( 200 KM / one time fee) |
|
Example: Housing loan
| 100.000 BAM | 150.000 BAM | 300.000 BAM | |
|---|---|---|---|
| 10 years | 965,15 | 1447,72 | 2895,44 |
| 15 years | 714,88 | 1072,32 | 2144,65 |
| 20 years | 592,89 | 889,33 | 1788,66 |
| Information sheet – Housing loans |