Showing Bosnia and Herzegovina because that’s where you are.
Bosnia and Herzegovina 💰 BAM Last updated2026-05-28 Hipoteka Calculator
Bosnia and Herzegovina
A mortgage of 180,000 BAM at 5.2% over 25 years works out to a monthly payment of about 1.073 KM, with total interest of 142.003 KM over the full term.
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Local context Hipotekas in Bosnia and Herzegovina
Market overview
BiH's mortgage market is dominated by Austrian and Slovenian-owned subsidiaries — Raiffeisen Bank BiH, UniCredit Bank BiH, and NLB Banka — operating across the Federation and Republika Srpska. The convertible mark (BAM/KM) is pegged to the euro at exactly 1.95583 under a currency board administered by the Central Bank of BiH (CBBH), so domestic mortgage rates track ECB policy with a country-risk spread. EU candidate status granted in 2022 and Investment Framework for the Western Balkans funding have lowered borrowing costs, though political fragmentation between entities keeps mortgage processes uneven.
Why 5.2% is the typical rate
A rate near 5.2% reflects the euro peg passing ECB deposit rates through to BAM lending, plus a Western Balkans country-risk premium of roughly 150-200 basis points.
Tax & regulatory notes
Property transfer tax is 5% in the Federation of BiH and 3% in Republika Srpska, with separate entity-level land registries (zemljišne knjige) where mortgages are registered. The Banking Agency of FBiH and Banking Agency of RS supervise lenders under Law on Banks 27/17 and 4/17 respectively. The Law on Consumer Protection in Financial Services (FBiH 31/14) mandates standardized pre-contractual information and a 14-day withdrawal right.
A mortgage of 180,000 BAM at 5.2% over 25 years
180.000 KM 5.2% 25 years (300 months) 1.073 KM 142.003 KM 322.003 KM 
