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.

Loan amount From KM 20,000 to KM 200,000
Repayment term Up to 20 years
Minimum loan instalment KM 100
Interest rate up to 60 months – 6.5%
over 60 months – six-month EURIBOR+6.3%
Effective interest rate* 7.02%
Processing fee 1% (max 250 KM)
Collateral Depends on the amount and time period:
pledge, deposit, mortgage, or a combination of the above types of collateral

*EIR calculated on a loan of KM 50,000, with a repayment term of 60 months, accompanying interest rate and maximum processing fee.

Example: Housing loans

Amount of interest Nominal interest rate Effective interest rate Effective interest rate
60 months 588.30 980.50 1,372.70 1,961.01
120 months 344.26 573.77 803.27 1,147.53
180 months / / 618.91 884.15

The figures quoted in the table are indicative only, actual figures are subject to status.