Housing loans: To fulfill your desires, a Raiffeisen Bank housing loan is at your disposal!
Non purpose Housing loans
Would you like to buy a house or apartment? Renovate your home? Refinance your obligations? To fulfill your desires, Raiffeisen Bank's housing loans are at your disposal!
LOAN USER: Any individual who is a citizen of BiH, creditworthy, with regular monthly income.
NOTE: The bank reserves the right to request additional documentation.
Contact us or make an appointment
Fill out the form Arrange a meeting or request a call from a Bank employee, we will call you within 48 hours and answer all your questions
Frequently asked questions
Here you can find answers to frequently asked questions.
An annuity represents an equal amount of money used to repay the loan during the
validity of the same interest rate. Each monthly annuity consists of interest
and principal, and the interest and principal ratio in the annuity changes
during the repayment of the loan in such a way that at the beginning of the
repayment there is a larger share of interest compared to the principal in the
annuity, while over time a larger share of the principal is repaid in relation
to the interest in the annuity. The maturity of the annuity is defined by the
individual repayment schedule for the loan.
A fixed interest rate is an interest rate that does not change during the
repayment of the loan. The variable interest rate changes during the contracted
period. It consists of a variable element of the interest rate and a fixed
element of the interest rate. The variable element of the interest rate is
determined on the basis of the reference rate: 6-month EURIBOR. The Bank uses
two reference periods: 01.01.-30.06. and 01.07.-31.12., whereas the calculation
of the reference rates within the variable part of the interest rate is done
twice a year on the last business day of the current reference period.
Regular (nominal) interest (NIR) is the interest calculated by the Bank during the loan
repayment/beginning of the loan repayment period. It is calculated on the
outstanding principal of the loan, and it is paid in accounting periods in
accordance with the repayment schedule. The nominal interest rate is defined by
the loan agreement. The effective interest rate (EIR) is the interest rate that
shows the total price of the loan. The amount of the effective interest rate is
affected, apart from the regular interest rate and the amount of fees and all
other costs that the customer during the loan approval, the loan tenor, the
amount of any necessary deposit, etc.
The currency clause in banking is most often linked to loans. It is a security
instrument for the bank that protects it from the loss of the value of the
local currency, and practically means that the loan given by the bank is tied
to the value of a foreign currency.
EURIBOR (Euro Interbank Offered Rate) is an interbank reference interest rate
determined on the European interbank market. The Bank cannot affect the EURIBOR
amount and cannot predict its future movements.