I want to receive information about your non-purpose loans.
To apply for a consumer loan, you must have a permanent place of business and creditworthiness in Bosnia and Herzegovina. The bank determines its creditworthiness based on the creditworthiness, credit history and solvency of the loan seeker and other participants (co-borrowers), as well as the adequacy of the collateral offered. The maximum loan amount is 50,000.00 KM, and the maximum repayment term for loans without a mortgage or deposit guarantee is 120 months. If the loan collateral is a mortgage, the maximum repayment term is 240 months.
What are the terms of your home loan?
In order to apply for a housing loan, you must have a permanent place of employment in Bosnia and Herzegovina and creditworthiness. Housing loans are short-term or long-term, dedicated loans, the purpose of which is to finance the purchase of a housing unit of the applicant for the loan.
Characteristics:
Maximum loan repayment term 300 months;
The ratio of the mortgage and the requested loan amount is 1:1.
Payment based on the sales contract;
Payment in cash up to a maximum of 30% of the loan amount (max. 30,000.00 KM), and for the needs of dependent purchase costs
What are the terms of your refinancing loan?
In order to apply for a refinancing loan, you must have a permanent place of employment in BiH and creditworthiness. The bank determines creditworthiness based on the creditworthiness, credit history and solvency of the loan seeker and other participants (co-borrower), as well as the adequacy of the collateral offered.
- Loans for refinancing / replacement loans are intended for closing one or more loan obligations in ZiraatBank or other banks.
Characteristics:
The maximum loan amount is 50,000.00 KM and the maximum repayment term is 10 years,if the loans are not secured by a mortgage or deposit;
Maximum repayment term 240 months if loans are secured by mortgage or deposit;
Loans are disbursed on the basis of a certificate of the remaining debt;
Payment in cash up to a maximum of 30% of the loan amount (max. 30,000.00 KM)
Can I buy an apartment with a housing loan from a building under construction?
ZiraatBank BH dd allows the client to apply for a housing loan that would finance the purchase of a condominium unit located in a building under construction, with the condition of registration of a pre-registration of a lien/priority lien on the condominium unit. The final registration of the mortgage on the condominium unit will be made after obtaining a separate ZK extract for the condominium unit that is the subject of purchase, that is, after the condominium.
If you apply for a housing loan to buy an apartment that is under construction, the same apartment can be subject to security if the level of construction is 80% or more, which is stated in a document prepared by an authorized real estate appraiser. If the stated condition is not met, you can offer a replacement mortgage with the condition that the ratio of the requested loan amount to the estimated value is 1:1.
What are the conditions for applying for loans from the credit line of the Republic of Turkey for starting a private business?
You can find basic information about the credit lines of the Republic of Turkey at this link: https://www.ziraatbank.ba/bs/kreditna-linija-republike-turske1 For more detailed information, you can contact the nearest branch office of ZiraatBank BH d.d.
Can I get a loan to buy a property abroad?
Ziraat Bank BH dd continues to meet the needs of our valued customers with housing loans for housing purchases outside of Bosnia and Herzegovina. For detailed information, please contact our nearest branch.
What do I need to do to apply for a overdraft account?
You can easily apply for an overdraft current account by transferring the monthly income to ZiraatBank BH dd with the approved application form, photocopy of ID and CIPS application for products. For detailed information, please contact our nearest branch.