PROMOTIONAL OFFER OF HOUSING LOANS
- Intended for financing the purchase of a residential unit
- Refinancing housing loans with other banks
- Maximum loan amount, maximum repayment period and collateral in accordance with the Bank's internal regulations
Fixed interest rate home loans starting from 3.29% (EKS 3.91%*)
Annuity fact sheet
| Repayment period/Amount in KM | 5 years | 10 years | 12 years | 15 years | 20 years |
| 100,000.00 | 1,810 | 979 | 860 | 734 | 637 |
| 200,000.00 | 3,619 | 1,958 | 1,721 | 1,468 | 1,275 |
| 300,000.00 | 5,429 | 2,937 | 2,582 | 2,203 | 1,912 |
| 400,000.00 | 7,239 | 3,916 | 3,442 | 2,937 | 2,550 |
| 500,000.00 | 9,049 | 4,895 | 4,303 | 3,671 | 3,188 |
*EIR 3.91% is calculated on the amount of 100,000.00 KM and a repayment period of 10 years, with a fixed nominal interest rate of 3.29%. The calculation of the effective interest rate includes the costs of loan processing fees, loan account maintenance fees (only in the FBIH and Brčko District), the costs of purchasing a bill of exchange, the costs of reporting from the CRK (only in the FBIH and Brčko District), the insurance policy, the cost of obtaining a land registry and other costs of constituting a mortgage. The estimated amounts of individual accompanying costs were determined based on a representative example and available data.
Fixed interest rate housing loans – NO FEES from 3.69% (EKS 4.14%*)
Annuity fact sheet
| Repayment period/Amount in KM | 5 years | 10 years | 12 years | 15 years | 20 years |
| 100,000.00 | 1,828 | 998 | 890 | 764 | 654 |
| 200,000.00 | 3,655 | 1,995 | 1,779 | 1,529 | 1,308 |
| 300,000.00 | 5,483 | 2,993 | 2,669 | 2,293 | 1,962 |
| 400,000.00 | 7,311 | 3,991 | 3,559 | 3,058 | 2,616 |
| 500,000.00 | 9,138 | 4,989 | 4,448 | 3,822 | 3,269 |
*EIR 4.14% is calculated on the amount of 100,000.00 KM and a repayment period of 10 years, with a fixed nominal interest rate of 3.69%. The calculation of the effective interest rate includes the costs of purchasing the bill of exchange, insurance policy, cost of obtaining the Land Registry and other costs of constituting the mortgage. The estimated amounts of individual accompanying costs were determined based on a representative example and available data.
Mandatory additional products with credit:
- Current account and debit card
- Current account overdraft - overdraft
- Credit card
- Mobile banking
HOUSING LOANS FOR THE BH DIASPORA - PROMOTIONAL INTEREST RATE 3.99% (EX 4.53%*) FIXED!
Annuity fact sheet
| Repayment period/Amount in KM | 5 years | 7 years | 8 years | 9 years | 10 years |
| 100,000.00 | 1,841 | 1,366 | 1,218 | 1,104 | 1,012 |
| 200,000.00 | 3,682 | 2,733 | 2,437 | 2,207 | 2,024 |
| 300,000.00 | 5,524 | 4,099 | 3,655 | 3,311 | 3,036 |
| 400,000.00 | 7,365 | 5,466 | 4,874 | 4,415 | 4,048 |
| 500,000.00 | 9,206 | 6,832 | 6,092 | 5,518 | 5,060 |
The EIR of 4.53% is calculated on a loan amount of 250,000.00 KM and a repayment period of 10 years, with a fixed nominal interest rate of 3.99%. The calculation of the effective interest rate includes the costs of loan processing fees, loan account maintenance fees, property valuation costs, notary processing of mortgage agreements, mortgage registration, promissory notes, obtaining a CRK report, certification and translation of necessary documentation, as well as the costs of property insurance during the loan repayment period. The estimated amounts of individual accompanying costs have been determined based on a representative example and available data.
For more information, visit your nearest ZiraatBank branch or contact us via the web contact form at www.ziraatbank.ba / customer communication center 081920088