For agricultural activities

FINCA Agriculture loan is the product for all those wishing to increase their agricultural productivity

  • No collateral and no guarantee requirements for loans up to 5,000€

  • Term of loan up to 60 months

  • Loan amount from 250 to 25,000€

  • Grace period up to 6 months

Loan specifications

  • Business Registration Certificate is not required for loans up to 10,000€

  • Repayment in monthly installments and grace period

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Our Rates

Effective from date: 12/12/2019

Name of product Loan amount (€) Annual interest (%) Monthly interest (%) Disbursement fee% (minimum 15€) Effective IR (%) Maximum loan term in months
Business Loan 250 – 25,000 14.38% – 24.98% 1.20% – 2.08% 1% – 2% 15.89% – 29.33% 60
Agriculture Loan 250 – 25,000 14.38% – 24.98% 1.20% – 2.08% 1% – 2% 15.89% – 29.33% 60
Home Improvement Loan 300 – 25,000 18.28% – 25.73% 1.52% – 2.14% 1% – 2% 20.45% – 30.29% 60
Life Improvement Loan 300 – 5,000 26.48% 2.21% 2% 31.26% 36
Auto Vehicle Registration 200 – 500 10% 0.83% 5% 21.71% 12
Women Entrepreneur Loan < 1,000 – 25,000 14.38% – 24.98% 1.20% – 2.08% 0% 15.37% – 28.05% 60
Loan for Vehicle  Purchase 3,000 – 15,000 19.89% – 23.78% 1.66% – 1.98% 0% 21.81% – 27.80% 60

*Administrative Expenses (%)-Min 15 €

**Calculation of the effective interest rate is made by the maximum maturity (60-month) and maximum amount for the respective Annual Interest

***In case of delay in repayment of the loan according to the repayment schedule, the default interest will be charged which is calculated according to the Central Bank of Kosovo (CBK) regulation, published at this link https://bqk.org/?id=186

****Confirmation of the closure of the loan is 20 €

*****Request for replacement of movable collateral is 20 €, and immovable is 30 €

****** Car Loans for Business and Agro products are for values from € 3,000 to € 15,000 at current price but without administrative costs.

*******Car loans for personal loan for the amounts from € 3,000 up to € 5,000 are treated according to the personal loan price, while for the amounts from € 5,001 up to € 15,000 are treated according to the renovation loan price. In all cases without administrative costs.

******** FINCA repeat clients with good credit history may be offered a discount of 0.5% to 1% on nominal interest rates on rates.