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PERSONAL LOANS

A personal loan is for those who can provide proof of a regular monthly income. The loan can be used for a variety of purposes.

Loan amount Minimum KM 500,00 – Maximum depends on repayment capacity
Repayment term Up to 60 months
Minimum loan instalment KM 50
Interest rate 10%-12%
Effective interest rate* 11.35%
Processing fee 1.5% (min. KM 20) – 2% (min. KM 20)
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 20,000 with a maximum repayment term, interest rate of 10% and a  processing fee 1.5%.

Example: Repayments of a personal loan at 10% p.a

KM 1.000 KM 5.000 KM 10.000 KM 20.000
12 months 87.98 439.90 879.80 1,759.59
24 months / 231.04 462.09 924.17
36 months / 161.67 323.34 646.68
60 months / 106.59 213.18 426.36

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

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