Agencija za Bankarstvo Republike Srpske

Notice to loan beneficiaries

19.09.2018. yr.

 

LOANS WITH VARIABLE OR FIXED INTEREST RATE

a)  Loans with variable interest rate

·         Initially contracted interest rates are lower than those for loans with contracted fixed interest rate

·         During the loan repayment period there is a risk of interest rate increase and it is higher when repayment period is longer

·         Interest rate changes with a reference value change (most often it is EURIBOR which is now at historically low level)

 

b) Loans with fixed interest rate

·         Initially contracted interest rates are somewhat higher than those for loans with contracted variable interest rate

·         Interest rates are invariable during the loan repayment period and there is no risk of interest rate growth, regardless of financial markets happenings