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Loans used as a personal loan and for housing needs.

LOK 3000Non-purpose loan used as a general-purpose loan.Maximum loan amount: 3.000 KM *Loan tenure: 36 months Grace period: noneFront-end fee: 3%Nominal Interest Rate (NIR): 30,24% per yearEffective Interest Rate (EIR): 38,03% per year |

**The effective interest rate (EIR)** is the interest rate on a loan restated from the nominal interest rate (NIR) as an interest rate with annual compound interest payable in arrears. The difference in the calculation of EIR in the Federation of Bosnia and Herzegovina (FB&H)/Brcko District (BD) and Republic of Serbia (RS) stems from the different legal framework that defines the costs included in the calculation of EIR and the total cost of the loan. Thus, the EIR calculation in FB&H/BD incorporates front-end fees, while in RS, beside front-end fees, applies all other costs included in the loan usage.
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LOK NON-PURPOSE LOANNon-purpose loan used as a general-purpose loan.Maximum loan amount: 10.000 KM *Loan tenure: 60 months Grace period: noneFront-end fee: 3%Nominal Interest Rate (NIR): 31,80% per yearEffective Interest Rate (EIR): 39,10% per year |

**The effective interest rate (EIR)** is the interest rate on a loan restated from the nominal interest rate (NIR) as an interest rate with annual compound interest payable in arrears. The difference in the calculation of EIR in the Federation of Bosnia and Herzegovina (FB&H)/Brcko District (BD) and Republic of Serbia (RS) stems from the different legal framework that defines the costs included in the calculation of EIR and the total cost of the loan. Thus, the EIR calculation in FB&H/BD incorporates front-end fees, while in RS, beside front-end fees, applies all other costs included in the loan usage.
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LOK 1000Non-purpose loan used as a general-purpose loan.Maximum loan amount: 1.000 KM *Loan tenure: 12 months Grace period: noneFront-end fee: 5%Nominal Interest Rate (NIR): 31,20% per yearEffective Interest Rate (EIR): 50,45% per year |

**The effective interest rate (EIR)** is the interest rate on a loan restated from the nominal interest rate (NIR) as an interest rate with annual compound interest payable in arrears. The difference in the calculation of EIR in the Federation of Bosnia and Herzegovina (FB&H)/Brcko District (BD) and Republic of Serbia (RS) stems from the different legal framework that defines the costs included in the calculation of EIR and the total cost of the loan. Thus, the EIR calculation in FB&H/BD incorporates front-end fees, while in RS, beside front-end fees, applies all other costs included in the loan usage.
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