Bosnia and Herzegovina

Institution: Mikrokreditna fondacija "LIDER"

> Product: Kredit za poboljšanje uslova stanovanja


Institution Mikrokreditna fondacija "LIDER"
Country Bosnia and Herzegovina
Purpose Housing
View in graph:    

Interest rates in Bosnia and Herzegovina

APR (int + fee + ins):Interest + Fees + Insurance
EIR (int + fee + ins):Interest + Fees + Insurance
 

Typical Initial Loan Amount Number of Clients Typical Term Quoted Rate Taxes APR (int + fee + ins) Number of Samples Date Collected
1,000-10,000 1,250 36 months 9.00-12.00 % / Year 18.4% - 23.2% 4 2009-10-07

Product Interest Rates

18.4% - 23.2%

20.1% - 25.9%

Descriptive Info

Country Bosnia and Herzegovina

Kredit za poboljšanje uslova stanovanja

Convertible marks

Kredit za adaptaciju stambenog prostora i poboljšanje uslova stanovanja

Scale of this product

2,300,000

1,250

41-60%

41-60%

Eligibility Criteria

  • Must own a home

Lending Methodologies

  • Individual

Loan Amounts

1,000

10,000


Repayment Frequencies

  • Monthly

Loan Term

3 months

48 months

36 months

Grace Period

No grace periods allowed for this product

0.00


Interest

9%

12%

No

Year

Flat

Yes



No



Interest Rate Difference Reasons

  • Other
Prvi ciklus, kamatna stopa 12%, IV ciklus 9%

Fees

Description of fee Provizija za obradu kredita / commission for loan processing

Percentage of loan amount charge		 Min
2.00% 		Max
2.00%
Or, Fixed amount charged
Does this fee appear on the repayment schedule? No

Taxes

Taxes paid by borrower PRIOR to or AT loan disbursement




Taxes paid by borrower DURING periodic loan repayments




Yes

Compulsory Savings

never required for this product



Yes

Savings Prior



Savings During




Interest Paid on Savings



Paid at end of loan term

Access only for final loan payment

User Comments

0


Payment Schedules

Amount Term Repayment Frequency Loan Cycle Grace Period Sample Disbursement Date APR (int + fee + ins) Payment Schedule
1,500 18 Months Monthly Nov. 22, 2010 23.2% View Payment Schedule
3,000 24 Months Monthly Nov. 4, 2010 21.0% View Payment Schedule
7,000 48 Months Monthly Dec. 10, 2010 18.4% View Payment Schedule
9,000 18 Months Monthly Dec. 24, 2010 20.0% View Payment Schedule