Your plans to purchase real estate in Bosnia and Herzegovina deserve reliable financial support.
Do you live and work abroad? ZiraatBank BH allows you to finance the purchase of residential property in Bosnia and Herzegovina, with clearly defined conditions and a transparent approval process.
Who can apply?
- citizens of Bosnia and Herzegovina residing abroad (diaspora),
Loan purpose
The loan is intended exclusively for the purchase of residential property in BiH.
Maximum funding amount
The amount of the approved loan depends on the value of the property.
| Property value | Maximum funding |
| up to 500,000 KM | up to 70% |
| from 500,001 to 1,000,000 KM | up to 60% |
Repayment period
The maximum repayment term is: up to 120 months (10 years).
It is important to know
Loan approval depends on the assessment of the creditworthiness of each individual client.
When making a decision, the Bank takes into account:
- the level and stability of income,
- the client's financial situation,
- the quality of the security offered,
- credit risk assessment,
- valid credit policies of the Bank.
The Bank reserves the right to approve a smaller loan amount or a shorter repayment period than the maximum prescribed, as well as the right to reject a loan application if the conditions for approval are not met.
Required documentation
- Completed and signed funding application
- Certified consent to confiscation
- Certified copy of ID card
- Certified copy of a valid passport of Bosnia and Herzegovina
- CIPS declaration of residence (not older than 3 months)
- Employment contract with an employer abroad
- The three most recent certified payslips
- Bank statement of the salary account for the last 12 months
- Credit registry report or certificate from the competent authority on credit indebtedness in the country of employment
- Report from the Central Credit Registry (CRK) of BiH
- Collateral documentation
- Documentation proving the purpose of the financing
- Copy of certificate of residence abroad
- Copy of identification document from country of residence
Note:
The bank reserves the right to request additional documentation depending on the specifics of the request and the legal status of the real estate. The documentation submitted by the client from abroad should be translated into one of the official languages of Bosnia and Herzegovina. The translation should be certified by the signature and seal of an authorized court interpreter.