Loans for pensioners is a cash loan intended exclusively for retirees, who receive regular retirement through the PIO RS Fund. JSC approves short-term loans for pensioners up to BAM 550,00. The loan repayment period may be agreed for a period of up to 6 months.

The fixed interest rate is 4.99% 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. The loan application fee is BAM 50,00, one time.

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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 4 m
Payment period 5 m Payment period 6 m
500.00 126.30 101.25 84.55
400.00 114.89 91.64 76.25
300.00 75.78 60.75 50.73

Example: If the Loan beneficiary JSC Credis approved a loan in the amount of KM 500.00, with a repayment period of 6 months at a nominal interest rate of 4.99% annually, which would be provided with a bill signed by the borrower, then the effective interest rate was 57,69% per year and the monthly annuity: 84.55 KM.