NLB Housing Loans with Mortgage
We are building your new home with you
LOAN TERM | NIR | EIR* |
up to 10 years | 3,39% fixed or variable
3,19% variable
3,19 fixed for the first 5 years of loan repayment and after 5 years 12M EURIBOR+fixed margin 2,19% | 3,67%
3,46%
3,72% |
up to 15 years |
3,99% fixed
3,59% variable
3,59% fixed for the first 10 years of loan repayment and after 10 years 12M EURIBOR+fixed margin 2,59% | 4,25%
3,83%
3,94% |
| up to 20 years |
4,69% fixed
4,09% variable
4,09% fixed for the first 10 years of loan repayment, and after 10 years 12M EURIBOR+fixed margin 3,09% | 4,96%
4,33%
4,57% |
up to 25 years | 4,59% variable
4,59% fixed for the first 10 years of loan repayment, and after 10 years 12M EURIBOR+fixed margin 3,59% | 4,85%
5,18% |
EIR calculated on the loan amount of 100,000 KM with the indicated interest rate and repayment period, without the fee for the loan processing and credit account maintaining, with the costs of obtaining a promissory note (5 KM), certifying the consent to seizure (8 KM), issuing a land register excerpt (10 KM) and assumed costs of: appraisal of the value of the property (230 KM for an apartment), insurance of the property for the entire term of the loan (344 KM for 10 years /514 KM for 15 years/685 KM for 20 years/855 KM for 25 years), notary, and mortgage registration (430 KM).
*Effective interest rate (EIR) - represents the amount of interest rate on the loan, increased by the amount of fees and expenses borrower bears during the realization of the loan, known on the date of creation of EIR.
EKS and annuities with variable NIR 12M EURIBOR+fixed margin calculated on the basis of 12-month Euribor on 01. May 2025 (2,07%).
Nominal interest rate (NIR) - represents the amount of interest rate on the loan, and can be contracted as:
- fixed up to 20 years or
- variable interest rate (administratively variable) where the volatility clause is linked to a reference rate of 12M EURIBOR±1 or
- application of a combined interest rate which is a fixed interest rate for the first 10 years of loan repayment, and a variable interest rate 12M EURIBOR + fixed margin after the expiration of the stated loan repayment period at a fixed interest rate
Currency clause: Loan is granted and repaid in KM currency.
NIR | 3,39% fixed | 3,99% fixed | 4,69% fixed | 4,59% variable |
Repayment period | 10 years | 15 years | 20 years | 25 years |
Loan amount |
|
|
|
|
100.000 | 984 | 739 | 643 | 561 |
150.000 | 1.476 | 1.109 | 964 | 841 |
200.000 | 1.967 | 1.478 | 1.286 | 1.122 |
300.000 | 2.951 | 2.218 | 1.929 | 1.683 |
NLB Housing loan with mortgage with application of combined interest rate | ||||
Repayment period | 10 years | 15 years | 20 years | 25 years |
NIR | 3,19% fixed for the first 5 years | 3,59% fixed for the first 10 years | 4,09% fixed for the first 10 years | 4,59% fixed for the first 10 years |
100.000 | 974 | 719 | 611 | 561 |
150.000 | 1.462 | 1.079 | 916 | 841 |
200.000 | 1.949 | 1.439 | 1.221 | 1.122 |
300.000 | 2.923 | 2.158 | 1.832 | 1.683 |
The above examples of annuity calculations are informative only. All amounts are expressed in KM.
The NIR offer refers to the status of client 1 and 2.
If it is a property under construction for clients of status 2, fixed interest rates are higher by 0.2 pp.
For more detailed information on the client's status, loan conditions and costs, and other loan offers,
visit the nearest NLB Bank branch or inform yourself via the information sheet or call our Contact Center on the toll-free number 0800 22 427.
New home,
new beginnings
Financing the purchase of apartments under construction
NLB Bank offers financing for real estate under construction with the possibility of payout up to 100% of purchase price directly to the developer from the loan funds during the construction phase.
Find out about the terms of the loan via the Bank's website www.nlb-fbih.ba, by free phone 0800 22 427 or visit the Bank's nearest branch office
Upon your arrival at the branch, the banker will:
- Evaluate your preliminary credit approval possibility
- Provide information on loan terms
- Provide a list of documents to be obtained for the further loan processing process
The documents refer to:
- Proving the purpose of the loan
- Creditworthiness assessment
- Mortgaged property if applying for a mortgage housing loan
Based on the attached documentation, the Bank starts the loan processing and approval process
After completing the documents, the realization of the loan is initiated
Home is where we find the courage to make new beginnings
- Duration: You can claim a grace period up to 6 months
- What you pay: During grace period you only pay interest per month
- Effect on EIR: Grace period affects the amount of EIR and the same is not calculated on the shown examples of EIR
- Grace period is not approved if the application of the combined interest rate is contracted
- Flexibility: It allows you to take a break/extra time without worrying about regular repayments of the loan instalment in the grace period
- Adjusted payment: Only pay interest in grace period
- Contact us today to learn more about grace period options and how we can tailor your credit plan to your needs
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We are here to answer all your questions.
