Agriculture loan is intended for legal or natural persons – farmers with the appropriate income that ensures the smooth repayment of loans, having the need for working capital or investing in basic assets. JSC approves a non-purpose credit in the amount of up to BAM 10,000 (annual revenue

Loan repayment period can be contracted up to 5 years. The loan is repaid in equal monthly annuities in accordance with the Repayment Plan, which forms an integral part of the loan agreement, whereby the first annuity is due to be charged one month from the date of the loan placement.

The fixed rate of interest rate is 21.00% per annum and does not change while the effective interest rate depends on the loan amount, the repayment period and the costs that are included in the calculation.

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Monthly payment

176.02 BAM

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Monthly annuities for individual loan amounts and repayment deadlines


Value BAM
Payment period 12 m
Payment period 24 m
Payment period 36 m
Payment period 48 m
Payment period 60 m
1000.00 93.11 55.41 xxx xxx xxx
2000.00 186.23 105.82 75.35 xxx xxx
3000.00 279.34 156.23 113.03 92.90 81.16
5000.00 465.57 256.93 188.83 154.83 135.27
10000.00 931.14 513.86 376.75 309.66 270.53

If the Loan beneficiary JSC Credis approved a loan in the amount of KM 5.000,00, with a repayment period of 3 years, at a nominal interest rate of 21.00% per year, which would be provided with a bill signed by the borrower, then the effective interest rate was 25,50%