Long-term loans

Long-term investment loans

Users

Legal entities, financial organizations, and entrepreneurs.

Purpose

- Financing (refinancing up to 365 days) investments

Amount

It depends on the creditworthiness of the applicant.

Repayment periods

up to 84 months,
with a grace period of up to 12 months

Instruments for loan securing

Depending on the loan amount and the creditworthiness of the Beneficiary.

Long-term loans for permanent working capital

Users

Legal entities, financial organizations, and entrepreneurs.

Purpose

- Financing (refinancing up to 365 days) of the purchase of permanent working capital
- Establishing financial equilibrium, maintaining current liquidity

Amount

It depends on the creditworthiness of the applicant.

Repayment periods

up to 36 months without a mortgage
up to 60 months with a mortgage

Instruments for loan securing

Depending on the loan amount and the creditworthiness of the Beneficiary.

START-UP Loans:

Users

Legal entities, financial organizations, and entrepreneurs.

Purpose

For all purposes

Amount

50,000.00 KM for legal entities
20,000.00 KM for entrepreneurs

Repayment periods

up to 60 months,
with a grace period of up to 12 months

Instruments for loan securing

Depending on the loan amount and the creditworthiness of the Beneficiary.

Replacement loans

Users

Legal entities, financial organizations, and entrepreneurs.

Purpose

- Closing of credit obligations in NAŠA BANKA a.d.
- Closing of liabilities in other financial institutions, exclusively quality portfolio with additional funds

Amount

 
It depends on the creditworthiness of the applicant.

Repayment periods

Up to 84 months

Instruments for loan securing

Depending on the loan amount and the creditworthiness of the Beneficiary.

Refinancing loans

Users

Legal entities, financial organizations, and entrepreneurs.

Purpose

- Closing of credit obligations in NAŠA BANKA a.d.
- Closing of liabilities in other financial institutions, exclusively quality portfolio with additional funds

Amount

 
It depends on the creditworthiness of the applicant.

Repayment periods

Up to 84 months

Instruments for loan securing

Depending on the loan amount and the creditworthiness of the Beneficiary.

A special line of loans from the funds of the Investment Development Bank of Republika Srpska

RB

A special line of loans

Interest rate / Fee

1.

IRB RS (Investment Development Bank of Republika Srpska)

 

 

Credit line for initial business activities

According to the applicable IRB tariffs

 

Credit line for agriculture

According to the applicable IRB tariffs

 

Credit line for entrepreneurs and businesses

According to the applicable IRB tariffs

 

Credit line for local government units

According to the applicable IRB tariffs

 

Credit line for microbusiness in agriculture

According to the applicable IRB tariffs