Become a partner
EN

Kamatne stope banaka za stambene kredite – Bosna i Hercegovina

Unesite cijenu, učešće i rok otplate da vidite koje banke nude najnižu mjesečnu ratu za vaš stambeni kredit, uz jednokratne naknade i ukupan trošak za cijeli rok.

Loan amount: 128.000 KM · Term (years): 20 · Last updated: 13.10.2026.

The instalment is calculated from the lowest nominal rate of each offer. The bank sets the final rate for your application.

1

Sparkasse Bank

Fixed rate for 10 years

Lowest instalment Lowest total cost
Monthly instalment 709,24 KM
Nominal rate
2,99%
Effective rate
3,53%
One-time fees
640 KM
Total cost over 20 years
170.859 KM
2

ASA Banka

Fixed rate

Monthly instalment 728,61 KM +19,37 KM per month compared to the lowest
Nominal rate
3,29% – 4,59%
One-time fees
0 KM
Total cost over 20 years
174.866 KM
3

Intesa Sanpaolo Banka

Fixed rate for 10 years

Monthly instalment 735,13 KM +25,89 KM per month compared to the lowest
Nominal rate
3,39%
Effective rate
3,69%
One-time fees
–
Total cost over 20 years
176.432 KM + ? excluding one-time fees the bank does not publish
4

ASA Banka

Fixed for 10 years, then variable

Monthly instalment 744,98 KM +35,74 KM per month compared to the lowest
Nominal rate
3,54% – 4,79%
Effective rate
4,02%
One-time fees
–
Total cost over 20 years
178.796 KM + ? at the initial rate; the rate after the fixed period is not known excluding one-time fees the bank does not publish
5

ASA Banka

Variable rate

Monthly instalment 748,94 KM +39,70 KM per month compared to the lowest
Nominal rate
3,60% – 4,99%
One-time fees
–
Total cost over 20 years
179.746 KM + ? excluding one-time fees the bank does not publish

All offers

Bank Rate type Nominal rate Effective rate Checked on
Sparkasse Bank Fixed rate for 10 years 2,99% 3,53% 13.10.2026.
ASA Banka Fixed rate 3,29% – 4,59% – 13.10.2026.
Intesa Sanpaolo Banka Fixed rate for 10 years 3,39% 3,69% 13.10.2026.
ASA Banka Fixed for 10 years, then variable 3,54% – 4,79% 4,02% 13.10.2026.
ASA Banka Variable rate 3,60% – 4,99% – 13.10.2026.

Kako čitati ponude banaka

Nominalna ili efektivna kamatna stopa?

Nominalna kamatna stopa (NKS) je čista kamata na kredit. Efektivna kamatna stopa (EKS) uključuje i naknade i druge troškove kredita, pa je bolji pokazatelj za poređenje banaka.

Fiksna ili promjenjiva kamatna stopa?

Fiksna kamatna stopa se ne mijenja tokom perioda fiksiranja, pa je rata predvidiva. Promjenjiva kamatna stopa prati referentnu stopu, a rata s vremenom može rasti ili padati.

Related

From the blog

All blog posts