The Intesa Sanpaolo’s General Purpose Loan offers residents of Bosnia and Herzegovina a flexible credit solution with predictable costs and terms. In this article, you’ll learn how to apply, what documents are needed, and how to manage your loan confidently.
Eligibility Requirements
☑️ Resident of Bosnia and Herzegovina
☑️ Regular monthly income
☑️ Minimum loan amount: BAM 10,000
☑️ Maximum loan amount: BAM 50,000
☑️ Repayment period: 13 to 120 months
Required Documentation
📄 Completed loan application form
📄 Proof of income (e.g., salary slips)
📄 Valid identification documents
📄 Loan insurance policy (if applicable)
📄 Additional collateral documents (if requested by the bank)
Approval is contingent upon meeting these requirements, and the bank may request additional documentation based on its internal risk assessment.
How to Apply for the Intesa Sanpaolo’s General Purpose Loan
To begin the application process, visit an Intesa Sanpaolo Banka branch or access the online form via their official website. After completing the form, gather all necessary documents and submit them for review. The bank will evaluate your information based on internal criteria, including your employment and financial background. If approved, you will receive a clear contract outlining the repayment terms. If declined, it is possible to reapply after updating your documentation or financial standing.
How to Pay Your Monthly Installments
Repayment is made through equal monthly annuities over the selected loan term. You can pay via automatic debit from your Intesa Sanpaolo account or through the m-Intesa mobile application. Scheduling payments soon after your salary deposit can help maintain consistency and avoid any missed deadlines.
Fees and Costs
The Intesa Sanpaolo’s General Purpose Loan carries a fixed interest rate of 6.79%, with an effective interest rate (EKS) of 9.15%. The processing fee is BAM 115.38. Other administrative costs may apply, such as a BAM 4.00 monthly account maintenance fee and a BAM 1.50 CRK report fee per applicant. Full cost breakdowns are shared in the pre-contractual documentation.
A Tip for Your Wallet
If your income allows, consider adding small extra payments to your monthly installments. This helps reduce the total interest and shortens the repayment period. Also, automate your payments through the bank’s app to stay on track without stress. And always review your amortization schedule regularly to monitor how your principal is decreasing over time.
Start your application today
Click the button below to visit Intesa Sanpaolo Banka’s official page and begin your Intesa Sanpaolo’s General Purpose Loan request. This loan is a reliable financial tool for structured goals. Let us help you take the next step confidently.