Households

Solution for all challenges and needs of your household!

You are ready to invest in your home improvement, or to resolve permanent residence for your family,  or simply improve your living conditions.

LIDER offers to you:

  • Solution for home improvement and other needs of your household created just for you
  • Long-term cooperation based on mutual trust and solid partnership
  • Package of financial services adapted to your needs and interests during the whole period of partnership
  • Fast and simple procedure with the assistance of skilled and professional staff.

We shall support you financially in:

  • Renovation of your housing unit: internal works (joinery, heating, installation, bathroom renovation….), external works (insulation,  facade, roof….) and combination of works
  • Construction of housing unit
  • Consumer needs of your household.

DOM – FINANCIAL SERVICE FOR HOUSING NEEDS

AMOUNT: 500 KM – 10.000 KM (Currency BAM – with currency clause)

Criteria for loan indexing: Loan is closed with currency clause tied to Euro as per the middle exchange rate of the Central Bank of B&H on the day of contract.

REPAYMENT PERIOD: 12 – 60 months

ANNUAL INTEREST RATE: 20% – 22% (client segment related), fixed, annual

EFFECTIVE INTEREST RATE (EIR): (includes annual interest rate, commission, cost of BoE (5 KM), pledge on mobile assets registration (as per actual tariff), cost of documents verification (as per actual tariff), intercalary interest as per nominal interest rate) from 23,50% for the amount of 5.000 KM and repayment period of 48 months

COMMISSION: 2% – 2,5% (client segment related)

EKSPRES – FINANCIAL SERVICE FOR CONSUMER NEEDS

AMOUNT: 500 KM – 10.000 KM (Currency BAM – with currency clause)

Criteria for loan indexing: Loan is closed with currency clause tied to Euro as per the middle exchange rate of the Central Bank of B&H on the day of contract.

REPAYMENT PERIOD: 6 – 36 months

ANNUAL INTEREST RATE: 27% – 29% (clients segment related), fixed, annual

EFFECTIVE INTEREST RATE (EIR): (includes annual interest rate, commission, cost of BoE (5 KM), pledge on mobile assets registration (as per actual tariff), cost of documents verification (as per actual tariff), intercalary interest as per nominal interest rate) from 32,84% for the amount of 5.000 KM and repayment period of 36 months

COMMISSION: 2% – 2,5% (client segment related)

Possible additional costs:

  • Bill of Exchange
  • Pledge on mobile assets – check and registration (in case of pledge guaranty)
  • Intercalary interest
  • Cost of document verification.