*In order to provide quality financial support to clients, Privredna banka has based its business strategy on a wide range of loans tailored to different needs of users depending on the purpose, deadline, creditworthiness of the client and the quality of loan securing instruments.*

Below you can see the approximate details of the informative character for all types of loans. For all the details, please visit the nearest branch or call us on the phone number available on the website for the branch network.

**Loan beneficiary: **Every natural person citizen of BiH with regular income, in accordance with the basic criteria for the treatment of the client's loan application in the process of processing.

**Loan amount:** up to KM 50.000,00

**Maximum repayment period:** up to 10 years

Purpose of the loan |
Deadline | Fixed interest rate | EX | Variable interest rate | EX |

Non-purpose loan | Up to 12 months | 3,30% | 5,30% | 2,70% | 4,68% |

From 13 to 36 months | 4,70% | 5,80% | 4,20% | 5,28% | |

From 37 to 84 months | 5,20% | 6,12% | 4,70% | 5,60% | |

From 85 to 120 months | 5,40% | 6,28% | 4,90% | 5,75% |

**Note:**

*Loan costs included in the Calculation of the Effective Interest Rate (APRC):*

*The effective interest rate is calculated on the maximum loan amount. The calculation of the EIR includes the nominal interest rate, the fee for processing the credit application assuming that the natural person has an open account and directed receipts through the Bank, the cost of purchasing bills of exchange, the cost of certifying the consent on seizure, the cost of certifying the exchange statement and the cost of securing the loan in case of death.In the case of loans secured by a mortgage, the calculation of the effective interest rate also includes the costs of real estate appraisal, the costs of securing real estate, the cost of constituting a mortgage and the costs of notary.
*

The variable element of the interest rate is the average interest rate on new KM deposits of households in BiH, namely the interest rate on deposits with an agreed maturity of up to one year and the interest rate on deposits with an agreed maturity of one to two years. The Bank downloads data for calculating the value of the variable interest rate element from the website of the Central Bank of BiH/Statistical web portal (www.cbbh.ba).

The above examples and data on the height of the EIR are informative, and for the height of the changeable element, data from the twelfth month of 2022 was taken, with the stated average being 0.713%.

The amount of the variable interest rate element is adjusted by the bank twice a year, in February with application after the maturity of the first annuity in March and August with application after the maturity of the first annuity in september.

**Loan beneficiary:** Any natural person citizen of BiH with regular monthly income who intends to close existing loan obligations that must not be in a worse category than B in the Bank or other financial institutions and with repaid mins. 30% of the loan principal if it is an internal refinancing within the Bank, in accordance with the basic criteria for the treatment of the client's loan application in the processing process.

**Loan amount:** up to KM 50.000,00

Purpose of the loan |
Deadline | Fixed interest rate | EX | Variable interest rate | EX |

Replacement loan | Up to 12 months | 3,30% | 5,30% | 2,70% | 4,68% |

From 13 to 36 months | 4,70% | 5,80% | 4,20% | 5,28% | |

From 37 to 84 months | 5,20% | 6,12% | 4,70% | 5,60% | |

From 85 to 120 months | 5,40% | 6,28% | 4,90% | 5,75% |

**Note:**

*Loan costs included in the Calculation of the Effective Interest Rate (APRC):*

*The effective interest rate is calculated on the maximum loan amount. The calculation of the EIR includes the nominal interest rate, the fee for processing the credit application assuming that the natural person has an open account and directed receipts through the Bank, the cost of purchasing bills of exchange, the cost of certifying the consent on seizure, the cost of certifying the exchange statement and the cost of securing the loan in case of death.In the case of loans secured by a mortgage, the calculation of the effective interest rate also includes the costs of real estate appraisal, the costs of securing real estate, the cost of constituting a mortgage and the costs of notary.
*

The variable element of the interest rate is the average interest rate on new KM deposits of households in BiH, namely the interest rate on deposits with an agreed maturity of up to one year and the interest rate on deposits with an agreed maturity of one to two years. The Bank downloads data for calculating the value of the variable interest rate element from the website of the Central Bank of BiH/Statistical web portal (www.cbbh.ba).

The above examples and data on the height of the EIR are informative, and for the height of the changeable element, data from the twelfth month of 2022 was taken, with the stated average being 0.713%.

The amount of the variable interest rate element is adjusted by the bank twice a year, in February with application after the maturity of the first annuity in March and August with application after the maturity of the first annuity in september.

**Loan beneficiary:** Every natural person citizen of BiH with regular income, in accordance with the basic criteria for the treatment of the client's loan application in the process of processing.

**Loan amount:** Up to 1 million KM, in accordance with the client's creditworthiness, and the ratio of collateral and placement.

**Repayment period: **

- Purchase of an existing or new housing unit up to 20 years
- Reconstruction and adaptation of real estate /residential unit up to 10 years
- Refinancing existing liabilities/housing loans up to 20 years

Purpose of the loan |
Deadline | Fixed interest rate | EX | Variable interest rate | EX |

Home loan
Loan for refinancing housing |
Up to 120 months | 5,40% | 5,91% | 4,90% | 5,38% |

From 121 to 180 months | – | – | 5,40% | 5,83% | |

From 181 to 240 months | – | – | 5,80% | 6,22% |

**Note:**

*Loan costs included in the Calculation of the Effective Interest Rate (APRC):*

*The effective interest rate is calculated on the loan amount of 100,000 KM and the maximum repayment period. The calculation of the EIR includes the nominal interest rate, the fee for processing the loan application under the assumption that the natural person has an open account and directed receipts through the Bank, the cost of purchasing bills of exchange, the cost of certifying the consent on seizure, the cost of certifying the exchange statement, the cost of securing real estate, the cost of estimating and the costs of constituting a mortgage with a notary.*

The variable element of the interest rate is the average interest rate on new KM deposits of households in BiH, namely the interest rate on deposits with an agreed maturity of up to one year and the interest rate on deposits with an agreed maturity of one to two years. The Bank downloads data for calculating the value of the variable interest rate element from the website of the Central Bank of BiH/Statistical web portal (www.cbbh.ba).

The above examples are informative, and for the height of the changeable element, data from the twelfth month of 2022 was taken, with the stated average being 0.713%.

The amount of the variable interest rate element is adjusted by the bank twice a year, in February with application after the maturity of the first annuity in March and August with application after the maturity of the first annuity in september.

**Loan beneficiary: **Every natural person citizen of BiH with regular monthly income, in accordance with the basic criteria for the treatment of the client's loan application in the process of processing.

**Loan amount: **Up to 1 million KM, in accordance with the client's creditworthiness, and the ratio of collateral and placement.

**Repayment period: **

- non-purpose mortgage loan up to 20 years
- Refinancing a home loan up to 20 years
- Non-purpose mortgage loan for refinancing up to 20 years

** **

Purpose of the loan |
Deadline | Fixed interest rate | EX | Variable interest rate | EX |

Mortgage loan /Loan for refinancing mortgage loan | Up to 120 months | 5,40% | 5,54% | 4,90% | 5,02% |

From 121 to 180 months | – | – | 5,40% | 5,54% | |

From 181 to 240 months | – | – | 5,80% | 5,96% |

**Note:**

*Loan costs included in the Calculation of the Effective Interest Rate (APRC):*

*The effective interest rate is calculated on the loan amount of 100,000 KM and the maximum repayment period. The calculation of the EIR includes the nominal interest rate, the fee for processing the loan application under the assumption that the natural person has an open account and directed receipts through the Bank, the cost of purchasing bills of exchange, the cost of certifying the consent on seizure, the cost of certifying the exchange statement, the cost of securing real estate, the cost of estimating and the costs of constituting a mortgage with a notary.*

The variable element of the interest rate is the average interest rate on new KM deposits of households in BiH, namely the interest rate on deposits with an agreed maturity of up to one year and the interest rate on deposits with an agreed maturity of one to two years. The Bank downloads data for calculating the value of the variable interest rate element from the website of the Central Bank of BiH/Statistical web portal (www.cbbh.ba). The above examples are informative, and for the height of the changeable element, data from the twelfth month of 2022 was taken, with the stated average being 0.713%.

The amount of the variable interest rate element is adjusted by the bank twice a year, in February with application after the maturity of the first annuity in March and August with application after the maturity of the first annuity in september.

**Loan beneficiary:** Every natural person citizen of BiH with regular monthly income and paid special purpose deposit in the Bank in the value of 100% of the requested loan amount, in accordance with the basic creations for the treatment of the client's loan application in the process of processing.

**Loan amount: **Depending on the amount of savings given as a placement security, max up to KM 200,000.00

Purpose of the loan |
Deadline | Fixed interest rate | EX | Variable interest rate | EX |

Loan secured by 100% deposit | Up to 120 months | 2,65% | 3,73% | – | – |

**Note:**

*Loan costs included in the Calculation of the Effective Interest Rate (APRC):*

*The effective interest rate is calculated on the maximum loan amount of the given product and the maximum repayment period. The calculation of the EIR includes the nominal interest rate, the fee for processing a loan application under the assumption that a natural person has an open account and directed receipts through the Bank, the cost of certifying consent on seizure.*

**Loan beneficiary: ** Every natural person citizen of BiH with regular monthly income earned on the basis of pension / disability allowance who on the date of maturity of the loan can not be more than 75 years of age, in accordance with the basic criteria for the treatment of the client's loan application in the process of processing.

**Loan amount: **up to 20.000,00 KM

Purpose of the loan |
Deadline | Fixed interest rate | EX | Variable interest rate | EX |

Mortgage loan /Loan for refinancing mortgage loan | Up to 36 months | 5,50% | 9,84% | 4,80% | 9,06% |

From 37 to 84 months | 6,20% | 10,76% | 5,50% | 9,95% | |

From 85 to 120 months | 6,90% | 11,26% | 6,20% | 10,44% |

**Note:**

*Loan costs included in the Calculation of the Effective Interest Rate (APRC):*

*The effective interest rate is calculated on the maximum loan and the maximum repayment period. The calculation of the EIR includes the nominal interest rate, the fee for processing the credit application under the assumption that the natural person has an open account and directed receipts through the Bank, the cost of purchasing bills of exchange, the cost of certifying the consent on seizure, the cost of certifying the exchange statement, the cost of securing the loan. In the case of loans secured by a mortgage, the calculation of the effective interest rate also includes the costs of real estate appraisal, the costs of securing real estate, the cost of constituting a mortgage and the costs of notary.
*

The variable element of the interest rate is the average interest rate on new KM deposits of households in BiH, namely the interest rate on deposits with an agreed maturity of up to one year and the interest rate on deposits with an agreed maturity of one to two years. The Bank downloads data for calculating the value of the variable interest rate element from the website of the Central Bank of BiH/Statistical web portal (www.cbbh.ba). The above examples are informative, and for the height of the changeable element, data from the twelfth month of 2022 was taken, with the stated average being 0.713%.

**In addition to a completed and certified loan application, the following documentation must be submitted:**

- a copy of the identity card (loan seeker, co-debtors, guarantors);
- a copy of the CIPS application of the place of residence not older than 6 months (loan applicant, co-debtors);
- proof of regular income for the last 3 months (loan applicant, co-debtors);
- A copy of the last two overhead bills (loan seeker).

**In addition to the above, when applying for a "Housing Loan" it is necessary to submit:**

- real estate purchase agreement certified by a notary.

**When applying for "Loan for construction, reconstruction and adaptation of real estate" it is necessary to submit:**

- proforma invoice/invoice of the contractor

**If, as a security instrument, a lien on the property is offered, it is necessary to submit:**

- proof of ownership of the property (ZK extract not older than 7 days);
- appraisal of the property by an authorized appraiser (not older than 6 months);
- Tax credit (not older than 7 days).

**When applying for a "Commodity Loan" it is necessary to submit:**

- the seller's account/account.

Application for opening a loan

Non-purpose mortgage loan information sheet fixed interest rate

Non-purpose mortgage loan information sheet variable interest rate

Information sheet for Non-purpose mortgage loan for refinancing fixed interest rate

Information sheet for Non-purpose mortgage loan for refinancing variable interest rate

Non-purpose loan information sheet fixed interest rate

Non-purpose loan information sheet variable interest rate

Information sheet for Housing loan fixed interest rate

Information sheet for Housing loan variable interest rate

Information sheet for Housing loan for reconstruction, adaptation fixed interest rate

Information sheet for Housing loan for reconstruction, adaptation variable interest rate

Information sheet for Replacement loan fixed interest rate

Information sheet for Replacement loan variable interest rate

Information sheet Loan for pensioners fixed interest rate

Information sheet Loan for pensioners variable interest rate

Information sheet for a loan secured 100% deposit fixed interest rate

Information sheet for loan for refinancing housing loan fixed interest rate

Information sheet for loan for refinancing housing loan variable interest rate