Cash disbursement based on financial partnership on the real estate without mortgage

BBI Bank enriched its product offer with cash financings without mortgage

Available benefits:

Up to 50,000 BAM without mortgage
No insurance policy
Repayment period up to 10 years

Apply online in less than 1 minute!

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Information and characteristics

  • Up to 50.000 BAM without mortgage

  • From 4.89% EPM 5.79%*

  • Repayment period up to 10 years without mortgage registration

  • Additional benefits with activation of product packages 

 

*Effective profit margin (for FBiH) was calculated as at 01.11.2017 for financing of cash disbursement, secured by bills of exchange and documents on foreclosure to personal income to the amount of 40,000.00 BAM and period of 36 months, with the assumption that the complete financing amount is transferred to the client's current account.

EPM includes the following costs: fee for the Financing Application processing 0%; fee for the financing account maintenance 2.20 BAM - per month, fixed; maintenance fee for the BBI SMART package 4.99 BAM - per month, fixed; fee for the transfer of funds to the client's account in the amount of 0.50% from the financing amount - one-time, fixed; costs of issuing Statements from the Central Loan Register 5.00 BAM - one-time, fixed.

Nominal profit margin is variable and it is linked to EURIBOR. Amount in BAM currency is linked to EUR according to the CBBiH medium exchange rate, effective on the day of signing the Contract - for financings with repayment period exceeding 5 years.

The Bank shall retain the right to change conditions of this offer in accordance with relevant procedures. 

Necessary documents

  • Application Form for financing completed and signed by the main debtor/co-debtor/guarantor and certified by the employer;
  • Copy of ID Card for the main debtor/co-debtor/guarantor;
  • Copy of Residence Certificate (CIPS) for the main debtor/co-debtor/guarantor;
  • Evidence on the income of the main debtor/co-debtor/guarantor - three final pay slips/pension payment or three final monthly statements by current account;
  • Certified copy of GIP 1022 Form from the employer (except for employees of budget institutions, public companies and other organization forms financed from the BiH budget, as well as employees of companies registered in the Republika Srpska);
  • Certified copy of the Decision from the relevant administration body for the main debtor/co-debtor/guarantor in case of a self-employed person;
  • Copy of the Employment Contract of the main debtor/co-debtor/guarantor in case of employees of international organizations;
  • Documentation proving the real estate existence

For financings secured by mortgage

  • Appraisal from Certified Court Expert from the BBI list, not older than 6 months;
  • The original Land Registry Certificate for the real estate (not older than one month);
  • The real estate insurance policy from the following risks: fire, flood, earthquakes and gas explosion, contracted to the period of financing duration, secured in favour of BBI Bank;
  • Mortgage Contract prepared by the Notary.

 

Acceptable collaterals

  • Document on foreclosure for the financing beneficiary and other participants providing a personal guarantee for the settlement of financing liabilities
  • Personal bills of exchange with indication without a protest
  • Co-debtors/guarantors
  • Mortgage

The Bank shall retain the right to request other documentation in the application procedure.

Download documentation

You might be interested in the following products:

BH ATM network

BH ATM network provides free cash withdrawal to BBI debit cardholders on BH ATM network.

Electronic services

Taking your needs into consideration, BBI is offering eBBI and mBBI, technologically superior services of electronic and mobile banking.

Apply online in less than 1 minute!

Financing Calculator



*This Calculator is intended only for obtaining quick and basic information and it is not binding. For any additional information concerning the approval of specific financing, please contact officers of the BBI Bank.

The amount of monthly instalment:

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You might be interested in the following products:

BH ATM network

BH ATM network provides free cash withdrawal to BBI debit cardholders on BH ATM network.

Electronic services

Taking your needs into consideration, BBI is offering eBBI and mBBI, technologically superior services of electronic and mobile banking.

Apply online in less than 1 minute!

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