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Fixed interest rates up to 20Y
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Loan amount

BAM

Tenor

Months

Select the purpose of the loan and the type of interest rate Close

The loan calculator is of informative nature for the online loans for which there is no charge for the loan processing fee. The agreed interest rate may deviate from that shown in the loan calculator. In the pre-contractual phase, the client will be handed an Information sheet with detailed terms of service, on a representative example in accordance with legal provisions and internally adopted forms.

Housing loans are approved in BAM, without a currency clause.

Please find information on interest rates for loans to be implemented starting from 07.07.2025. to 31.08.2025. download HERE.

The offer is valid until 31.08.2025.

*Total amount to pay in BAM - the sum of the loan principal and total loan costs as detailed in the Information Sheets.

**Credit account maintenance fees is not applied or charged in dealings with clients in the territory of Republika Srpska.

For loans with a repayment term exceeding 20 years, the interest rate is fixed for the first 120 months of loan repayment. After the expiry of the 120-month period, a regular annual interest rate will be applied and it is variable.

Effective interest rate (EIR) is an interest rate that reflects all loan costs, including ordinary and intercalary interest calculated on the selected loan amount and repayment period for a client who holds a current account with UniCredit Bank d.d., with disbursement on the last day of the month. The calculation of EIR includes the loan processing fee, the loan account maintenance fee, (which is not applied or charged in dealings with clients in the territory of Republika Srpska), the cost of insurance policy (real estate) and the costs of other insurance instruments (bills of exchange, consent of seizure of assets and realization costs of a mortgage). For the calculation of EIR, the following amounts of costs of collateral instruments were taken into account, which are not defined by the Bank, rather they depend on the by-laws of authorized institutions: cost of promissory notes BAM 10, pledge consent notarization BAM 9,36, cost of necessary documents at BAM 85, cost of notary services at BAM 526,50, real estate value appraisal BAM 365, mortgage registration BAM 600 and real estate insurance premium BAM 50 per annum.

The Bank reserves the right to individually assess the possibility of approving the maximum loan and maximum repayment term, in accordance with the Bank’s internal acts, based on an evaluation of the client’s creditworthiness.

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