Home >  IRBRS Loans

IRBRS Loans


1. Loans for initial business activities

USERS

Entrepreneurs and companies which have registered their industry with the pertinent body

PURPOSE

Purchase of fixed assets and working capital

AMOUNT

From 3.000 up to 30.000 BAM inclusive

REPAYMENT PERIOD

Up to 5 years

GRACE PERIOD

Up to 6 months

COLLATERAL

- up to 10.000BAM: guaranty of legal entity

- over 10.000BAM: mortgage in the value 1:1.5 and/or guaranty of legal entity (entities)

Additional collateral according to the Bank’s decision for collaterals.

 

2. Loans for micro-business in agriculture

USERS

Persons/entities entered into the register of agricultural farms

PURPOSE

Purchase of fixed assets and working capital

AMOUNT

from 5.000 to 50.000 BAM

REPAYMENT PERIOD

Up to 10 years

GRACE PERIOD

Depending on the type of production: fruit growing, vineyard growing: up to 36 months;

  • soft fruit, production of cereal, fodder crops and industrial crops  up to 12 months;
  • fishing: up to 12 months;
  • apiculture: up to 6 months;
  • pig breeding: up to 15 months (fattened pigs), up to 24 months (breeding pigs);
  • sheep farming: up to 18 months;
  • poultry farming: up to 6 months (egg production), up to 2 months (meat production);
  • cattle breeding: up to 24 months (breeding race), up to 36 months (dairy race);
  • goat breeding: up to 18 months.

COLLATERAL

- up to 10.000 BAM – one guarantor,

- over 10.000 BAM – two guarantors - Lien (1:1,5) for the amounts higher than BAM 20.000,00 and period longer than 3 years (according to the estimate of Credit risk management – 1 guarantor)

Additional collateral according to the Bank’s decision for collaterals.

 

3. Agriculture loans

USERS

Legal entities (companies) which deal with agricultural production or fishing

PURPOSE

Purchase of fixed assets and working capital

AMOUNT

  • from 50.000 up to 3.000.000 BAM (maximum share of working capital up to 30%)
  • from 5.000 to 500.000 BAM for working capital only

REPAYMENT PERIOD

  • up to 15 years: fixed assets or fixed assets and working capital
  • up to 5 years: for working capital only

GRACE PERIOD

- for purchase of fixed assets and working capital (maximum share of working capital in the loan 30%):

  • fruit growing and vineyard growing: up to 36 months;
  • soft fruit, production of cereal, fodder crops and industrial crops  up to 12 months;
  • fishing: up to 12 months;
  • apiculture: up to 6 months;
  • pig breeding: up to 15 months (fattened pigs), up to 24 months (breeding pigs);
  • sheep farming: up to 18 months;
  • poultry farming: up to 6 months (egg production), up to 2 months (meat production);
  • cattle breeding: up to 24 months (breeding race), up to 36 months (dairy race);
  • goat breeding: up to 18 months.

 -  for purchase of working capital only:

  • up to 3 months.

COLLATERAL

  • Transfer orders
  • Bills of exchange,
  • Surety  - of other bank, other legal entity, physical person
  • Pledge on movables and goods
  • Pledge in securities
  • Mortgage, i.e. registration of first rank right
  • Ceding and assigning receivables and claims
  • insurance policy (endorsed in favour of the Bank)
other, non-standard types of collateral may be used exclusively upon Bank’s decision for collaterals.

 

4. Loans for entrepreneurs and companies

LOAN USER

Entrepreneurs and companies

PURPOSE

Purchase of fixed assets and working capital

AMOUNT

  • from 30.000 up to 5.000.000 BAM inclusive (maximum share of working capital up to 30%)
  • from 30.000 up to 500.000 BAM inclusive, only for working capital
  • from 50.000 up to 1.000.000 BAM for exporters

REPAYMENT PERIOD

  • up to 15 years: for fixed assets or for fixed assets and working capital
  • up to 3 years: for working capital only
  • up to 1 years: loans for exporters

GRACE PERIOD

  • up to 18 months: for fixed assets or for fixed assets and working capital
  • up to 3 months: for working capital only
  • up to 6 months: loans for exporters

COLLATERAL

  • Transfer orders
  • Bills of exchange,
  • Surety  - of other bank, other legal entity, physical person
  • Pledge on movables and goods
  • Pledge in securities
  • Mortgage, i.e. registration of first rank right
  • Ceding and assigning receivables and claims
  • insurance policy (endorsed in favour of the Bank)
other, non-standard types of collateral may be used exclusively upon Bank’s decision for collaterals.

 

5. Loans for local government units

LOAN USERS

Local government units

PURPOSE

Construction, modernization and reconstruction of local infrastructure

AMOUNT

from 50.000 to 3.000.000 BAM

REPAYMENT PERIOD

Up to 10 years

GRACE PERIOD

Up to 6 months

COLLATERAL

According to the Bank’s decision for collaterals.

 

 

6. Housing loans

USERS

Physical persons

PURPOSE

Purchase, construction, reconstruction and expansion of housing units in the territory of Republic of Srpska

AMOUNT

  • from 5.000 to 50.000 BAM: for reconstruction and expansion of housing unit*,
  • from 10.000 to 100.000 BAM: for purchase and construction of first housing unit in ownership.

REPAYMENT PERIOD

Up to 20 years

GRACE PERIOD

no

COLLATERAL

In accordance with the standard product of the Bank





Exchange rates Currency calculator