Loans for Farmers from EFSE Credit Line

In cooperation with the European Fund for Southeast Europe (EFSE), Komercijalna banka has prepared investment loans with repayment period of up to 72 months.


Krediti za investicije iz EFSE kreditne linije



- purchase of agricultural machinery and equipment (new and used) for primary and secondary agricultural production,

- purchase of agricultural land

- purchase, construction, and expansion of agricultural facilities

- lifting a greenhouse,

- building a greenhouse,

- purchase of irrigation system,

- purchase of primary and parent herd and flock,

- growing perennial plants,

- refinancing of own investment made over the period of maximum 12  months prior to filing the application

- refinancing of loans and obligations from other banks


RSD with currency clause

Nominal interest rate *

From six-month EURIBOR + 7,05%

To six-month EURIBOR + 7,35%

Loan repayment period

Up to 72 months from the date of loan disbursement


In a single lump sum

Grace period

Up to 12 months from the date of loan disbursement

Loan repayment

According to purpose of the loan and production cycle:

In monthly/quarterly /semi-annual /annual installments

Exchange rate

Middle exchange rate of NBS for loan disbursement, repayment of principal and interest calculation

Loan amount

Depending on client’s creditworthiness

- minimum loan amount EUR 1.000,00, maximum loan amount EUR 100.000,00 in RSD counter-value


Collateral shall depend on creditworthiness of the client 

*Interest rate depends on the size of the farm