Loan Campaign ''I want it always to be like this!''

Use your cash the way you want or refinance the existing debts in other financial institutions starting from 15/02/2016 by our cash loans with favourable FIXED or VARIABLE interest rates up to 10 years, at your choice!

Cash loans with repayment insurance policy – INSURED LOAN

INSURED LOANS

Max amount in BAM

Max repayment period

Interest rate (annual)

EIR in

FB&H i BD*

EIR in RS*

60.000 BAM

5 years

6,59% fixed or
5,89% variable

8,28% or7,51%

8,29% or7,52%

8 years

7,99% fixed or
7,19% variable

9,40% or8,52%

9,41% or8,53%

10 years

8,29% fixed or
7,49% variable

9,55% or8,66%

9,55% or8,67%

  • Insurance policy in case of sick leave, dismissal or death
  • Free of charge credit account maintenance
  • The loan is approved in the local currency (BAM) or in BAM indexed to EUR
  • Aggregate costs borne by the client and included into EIR calculation formula for the maximum amount and maximum repayment period under variable interest rate in FB&H and BD amount to BAM 27.955,98, while in RS BAM 27.969,98. 

EXAMPLE OF INSTALLMENT IN BAM

10.000 BAM

20.000 BAM

30.000 BAM

40.000 BAM

50.000 BAM

60.000 BAM

FIXED INTEREST RATES

5-year

196 BAM

392 BAM

588 BAM

784 BAM

980 BAM

1.177 BAM

8-year

141 BAM

283 BAM

424 BAM

565 BAM

707 BAM

848 BAM

10-year

123 BAM

246 BAM

369 BAM

491 BAM

614 BAM

737 BAM

VARIABLE INTEREST RATES

5-year

193 BAM

386 BAM

578 BAM

771 BAM

964 BAM

1.157 BAM

8-year

137 BAM

275 BAM

412 BAM

549 BAM

686 BAM

824 BAM

10-year

119 BAM

237 BAM

356 BAM

475 BAM

593 BAM

712 BAM


For more details please check loan calculator.

Loan is an important decision, entrust it to the best!

Your UniCredit Bank!

Notes:

 *Effective interest rate (EIR) is the interest rate which reflects all loan-related costs, including regular and intercalary interest calculated based on the total loan amount and maximum repayment period for clients holding a current account with UniCredit Bank d.d. The difference between EIR calculation formula in the Federation of Bosnia and Herzegovina/Brčko District and Republic of Srpska derives from different legal regulations, which define costs to be included into EIR, as well as aggregate loan costs. EIR calculation in the territory of the Federation of Bosnia and Herzegovina and Brčko District includes loan processing fee, insurance policy (loan repayment insurance and/or real estate insurance). EIR calculation in RS, in addition to the above costs, includes security instrument costs (bills of exchange, pledge approval, mortgage registration, etc.)

The Bank reserves the right to assess credit worthiness and options of approving maximum loan amount and repayment period for each particular client in line with internal policies and procedures.

If you need a greater amount of money for a longer period, we have an excellent offer of cash mortgage loans!

CASH MORTGAGE LOANS

Max amount in BAM

Max repayment amount

Interest rate (annual)

EIR in FB&H and BD*

EIR in RS*

200.000 BAM

20 years

5,95%

6,19%

6,27%

  • Free of charge loan processing
  • Free of charge credit account maintenance
  • Fixed interest rate for loans with repayment period ≤ 5 years, and variable interest rate for loans > 5 years
  • Loans are granted in BAM indexed to EUR
  • Aggregate costs borne by the client and included into EIR calculation formula for the maximum amount and maximum repayment period for cash mortgage loans in FB&H and BD amount to BAM 144.496,80, while in RS BAM 145.622,80.

EXAMPLE OF INSTALLMENT IN BAM

50.000 BAM

80.000 BAM

100.000 BAM

150.000 BAM

200.000 BAM

10-year

554 BAM

886 BAM

1.108 BAM

1.662 BAM

2.215 BAM

15-year

421 BAM

673 BAM

841 BAM

1.262 BAM

1.682 BAM

20-year

357 BAM

571 BAM

714 BAM

1.070 BAM

1.427 BAM


For more details please check loan calculator.

Loan is an important decision, entrust it to the best!

Your UniCredit Bank!

Notes:

 

*Effective interest rate (EIR) is the interest rate which reflects all loan-related costs, including regular and intercalary interest calculated based on the total loan amount and maximum repayment period for clients holding a current account with UniCredit Bank d.d. The difference between EIR calculation formula in the Federation of Bosnia and Herzegovina/Brčko District and Republic of Srpska derives from different legal regulations, which define costs to be included into EIR, as well as aggregate loan costs. EIR calculation in the territory of the Federation of Bosnia and Herzegovina and Brčko District includes loan processing fee, insurance policy (loan repayment insurance and/or real estate insurance). EIR calculation in RS, in addition to the above costs, includes security instrument costs (bills of exchange, pledge approval, mortgage registration, etc.)

The Bank reserves the right to assess credit worthiness and options of approving maximum loan amount and repayment period for each particular client in line with internal policies and procedures.

We have prepared a special offer of cash loans with life insurance policy – QUICK LOANS

QUICK LOANS

Max amount in BAM

Max repayment period

Interest rate (annual)

EIR in FB&H and BD*

EIR in RS*

40.000 BAM

7 years

7,99%

9,15%

9,16%

  • Fixed interest rate for loans with repayment period ≤ 5 years, and variable interest rate for loans > 5 years
  • Loans are granted in BAM indexed to EUR
  • Life insurance policy features:
  • If an insured case occurs, the insurance company takes over repayment of the outstanding loan amount,
  • It is negotiated quickly and easy at the Bank Branch Office, while payment takes place one-time at the moment of loan disbursement,
  • It does not increase monthly loan installment,
  • The client chooses the insurance company by himself/herself (Bosna Sunce Osiguranje, Croatia Osiguranje or Merkur Osiguranje),
  • It enables loan repayment up to 75 years of age.
  • Aggregate costs borne by the client and included into EIR calculation formula for the maximum amount and maximum repayment period for quick loans in FB&H and BD amount to BAM 13.619,20, while in RS BAM 13.633,20

EXAMPLE OF INSTALLMENT IN BAM

5.000 BAM

10.000 BAM

15.000 BAM

20.000 BAM

30.000 BAM

40.000 BAM

3-year

157 BAM

313 BAM

470 BAM

627 BAM

940 BAM

1.253 BAM

5-year

101 BAM

203 BAM

304 BAM

405 BAM

608 BAM

811 BAM

7-year

78 BAM

156 BAM

234 BAM

312 BAM

467 BAM

623 BAM


For more details please check loan calculator.

Loan is an important decision, entrust it to the best!

Your UniCredit Bank!

Notes:


*Effective interest rate (EIR) is the interest rate which reflects all loan-related costs, including regular and intercalary interest calculated based on the total loan amount and maximum repayment period for clients holding a current account with UniCredit Bank d.d. The difference between EIR calculation formula in the Federation of Bosnia and Herzegovina/Brčko District and Republic of Srpska derives from different legal regulations, which define costs to be included into EIR, as well as aggregate loan costs. EIR calculation in the territory of the Federation of Bosnia and Herzegovina and Brčko District includes loan processing fee, insurance policy (loan repayment insurance and/or real estate insurance). EIR calculation in RS, in addition to the above costs, includes security instrument costs (bills of exchange, pledge approval, mortgage registration, etc.)

The Bank reserves the right to assess credit worthiness and options of approving maximum loan amount and repayment period for each particular client in line with internal policies and procedures.

You have decided to buy an apartment or a house? You may be building, reconstructing or furnishing? We have prepared for you a special offer of housing loans!

HOUSING LOANS

Max amount in BAM

Max repayment period

Interest rate (annual)

EIR

in FB&H and BD*

EIR in RS*

300.000 BAM

30 years

5,50%

5,70%

5,74%

  • Free of charge loan processing
  • Free of charge credit account maintenance
  • Fixed interest rate for loans with repayment period ≤ 5 years, and variable interest rate for loans > 5 years
  • Loans are granted in BAM indexed to EUR
  • Aggregate costs borne by the client and included into EIR calculation formula for the maximum amount and maximum repayment period for housing mortgage loans in FB&H and BD amount to 316.083,79, while in RS BAM 317.409,79

EXAMPLE OF INSTALLMENT IN BAM

50.000 BAM

100.000 BAM

150.000 BAM

200.000 BAM

300.000 BAM

10-year

543 BAM

1.085 BAM

1.628 BAM

2.171 BAM

3.256 BAM

20-year

344 BAM

688 BAM

1.032 BAM

1.376 BAM

2.064 BAM

30-year

284 BAM

568 BAM

852 BAM

1.136 BAM

1.703 BAM

For more details please check loan calculator.

Loan is an important decision, entrust it to the best!

Your UniCredit Bank!

Notes:

 

*Effective interest rate (EIR) is the interest rate which reflects all loan-related costs, including regular and intercalary interest calculated based on the total loan amount and maximum repayment period for clients holding a current account with UniCredit Bank d.d. The difference between EIR calculation formula in the Federation of Bosnia and Herzegovina/Brčko District and Republic of Srpska derives from different legal regulations, which define costs to be included into EIR, as well as aggregate loan costs. EIR calculation in the territory of the Federation of Bosnia and Herzegovina and Brčko District includes loan processing fee, insurance policy (loan repayment insurance and/or real estate insurance). EIR calculation in RS, in addition to the above costs, includes security instrument costs (bills of exchange, pledge approval, mortgage registration, etc.)

The Bank reserves the right to assess credit worthiness and options of approving maximum loan amount and repayment period for each particular client in line with internal policies and procedures.

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