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
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
- 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
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
20,000.00 KM for entrepreneurs
Repayment periods
up to 60 months,
with a grace period of up to 12 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
- 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
- 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 |