Housing Loans

Home Loans campaign

Do you want an apartment in the new year?

Housing loans with a FIXED INTEREST RATE during the enitre loan period!

Purpose – short-term or long-term purpose loans, the purpose of which is to finance a purchase of a housing unit; granted to all natural persons with regular monthly income.

Loan payment - is made in such a way as to pay the loan funds in the account of real estate seller, based on the bill of sale, with the possibility of cash payment of up to 30%. 

Loan amount – is determined by the size of monthly income in such a way as to apply a criterion where monthly annuity of loan applicant cannot exceed one half of regular monthly income if such income does not exceed the amount of BAM 1,000.00, or two thirds of regular monthly income if such income exceeds the amount of BAM 1,000.00.

Term

NKS 

EKS*

Up to 1 year

1,99%

3,82%

From 2 to 5 years

3,39%

3,89%

From 6 to 12 years

3,69%

3,95%

  • Fee for loan processing 0,50 %
  • Fee for loan maintaince 2,00 KM per month
  • Collateral – purchased real estate, along with mandatory insurance policy for purchased real estate endorsed in favor of the Bank for the entire time of loan repayment, as well as other collaterals. Rate between the loan and home appraisal has to be 1:1,3

Napomena

*Effective interest rate (EIR) is calculated on the amount of loan of BAM 200,000, 5-year repayment period, with interest rate mentioned above and also amount of loan of BAM 300,000, 12-year repayment period, with interest rate mentioned above , loan processing fee and loan account maintenance fee, promissory notes, CRK fee and home insurance.

For more information on the network of our branch offices, click here