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  • Fixed interest rates up to 15Y

  • No Processing Fees

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Months

Months

Maximum loan amount in BAM Repayment period up Interest rate (per annum) Effective interest rate
In line with creditworthiness 10 years 3,39% fixed 3,69%
15 years 3,99% fixed 4,26%
20 years 4,49% changeable* 4,76%
30 years 4,99% changeable* 5,27%
Interest rate type
  Fixed interest rate Changeable interest rate*
Example of rounded annuities  in BAM  10 years 15 years 20 years 30 years
80.000 787 591 506 429
100.000 984 739 632 536
120.000 1,180 887 759 643
150.000 1,476 1,109 948 804
200.000 1,967 1,478 1,264 1,072

The loan calculator is of informative nature.

Example of total costs paid by the client, which are included in the EIR calculation, amount to BAM 38,991.26 for the loan amount of BAM 200,000 and a 10-year repayment period.

* The interest rate is determined in a fixed amount for the first 120 months of loan repayment. After the period of 120 months, the regular annual changeable interest rate will be calculated. 

Housing loans are approved in BAM.

Please find information on interest rates for loans to be implemented starting from 01/09/2024 download HERE. The offer is valid until November 29, 2024.

*The effective interest rate (EIR) the interest rate that reflects all loan costs, including the ordinary interest and intercalary interest, calculated on loan amount of BAM 200.000 and the maximum repayment period for housing loans for client who have UniCredit Bank d.d. current accounts, with disbursement on the first day of the month. The calculation of EIR includes the loan processing fee, the loan account maintenance fee, 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.

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