Housing Loans
Housing Loans
Why ProCredit?
- 01Loan amount up to 500,000 BAM;
- 02Repayment period up to 30 years
- 03Nominal interest rate starting from 3.39% fixed
- 04Effective interest rate* 3.73%
- 05Possibility of arranging a grace period
Key conditions
Possibility of arranging a grace period
| Loan amount | 10 years | 15 years | 30 years |
|---|---|---|---|
| 100,000 BAM | 983.71 BAM | 770.06 BAM | 524.60 BAM |
| 300,000 BAM | 2,951.14 BAM | 2,310.19 BAM | 1,573.81 BAM |
| 400,000 BAM | 3,934.86 BAM | 3,080.25 BAM | 2,098.42 BAM |
* For a repayment period longer than 10 years, a variable interest rate applies. The variable (market-indexed) interest rate consists of a fixed portion representing the Bank’s margin and a fluctuating portion determined based on the value of the six-month EURIBOR as the reference interest rate published by the European Money Markets Institute / EMMI (www.emmi-benchmarks.eu). When calculating monthly installments, the Bank took into account the value of EURIBOR as of 30.09.2022.
** The Annual Percentage Rate (APR) for housing loans is calculated at a fixed interest rate of 3.39% for an amount of 300,000 BAM and a loan repayment period of 120 months, for Bank clients. The APR calculation includes all costs that may be borne by the loan user (loan processing fee, loan account maintenance fee, CRK report fee, document certification costs, promissory note costs, standing order registration costs, property appraisal costs, insurance policy costs, and notary costs).
What you need
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