Winter Refreshment

Reduce the installment for a new start! 

Non-purpose and loans for the refinancing with a fixed interes rate for the entire duration of the loan payment

  • Maximum loan amount 50.000 KM
  • Maximum repayment term 10 years 
  • FIXED nominal interest rate starting from 3,09% (EKS 5,76%) (fixed interest rate for the entore loan payment period) 

Informative overview of annuities

Payment Period / Loan Amount KM

1 year 3 year 5 year 7 year 10 year
10.000,00 847 293 185 138 104
20.000,00 1.695 587 369 277 208
30.000,00 2.542 880 554 415 312
40.000,00 3.389 1.174 738 554 416
50.000,00 4.237 1.467 923 692 520

*EKS 5,76% is calculated based on a loan amount of BAM 50.000,00 with a 12 month repayment period, at a fixed nominal interest rate of 3,09%. Tha calculation of the EKS includes the loan processing fee, cost of bill of exchange, costs of obtaining the Credit Registry (CRK) report, and insurance policy costs.

Obavezni dodatni proizvodi uz kredit: 

  • Current account and associated debit card, with mandatory directing of regular monthly income to an account opened with the Bank 
  • Credited current account - overdraft
  • Credit card
  • Mobil banking service

For more information, visit the nearest ZiraatBank BH branch or contact us via web contact form at www.ziraatbank.ba or customer communication center 081920088.