Mortgage Calculator Bosnia and Herzegovina 2026
Calculate your monthly mortgage payment in Bosnia and Herzegovina, total interest and full amortisation schedule. Fixed or variable rate (central bank reference rate). Updated for 2026.
Amortisation schedule
| Month | Payment | Interest | Principal repaid | Outstanding balance |
|---|
| Month | Payment | Interest | Principal repaid | Outstanding balance |
|---|
What mortgage can I afford?
Enter your net income to calculate the recommended maximum payment and the mortgage amount you can finance.
Maximum mortgage by term
| Term | Maximum (30%) | Maximum (35%) |
|---|
Indicative estimate based on international responsible lending guidelines. Actual approval depends on the lender, credit history and local regulations.
How do mortgages work in Bosnia and Herzegovina?
Like most countries, mortgages in Bosnia and Herzegovina use the French amortisation system: constant monthly payments throughout the life of the loan. The formula is C = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the principal, r the monthly interest rate and n the total number of instalments. The local currency is the BAM (KM).
Reference interest rate in Bosnia and Herzegovina
The standard reference index for variable-rate mortgages in Bosnia and Herzegovina is the central bank reference rate. For variable mortgages, the applied rate = reference index + spread agreed with the lender. Reviews are typically annual or semi-annual.
Source: national central bank. This calculator lets you enter any reference rate value and compare scenarios.
Practical example: KM100,000 over 20 years at 4.5%
For a fixed-rate mortgage of KM100,000 over 20 years at 4.5% per year:
| Item | Value |
|---|---|
| Monthly payment | KM633 |
| Total paid (20 years) | KM151,836 |
| Total interest | KM51,836 |
How much should I spend on a mortgage?
The general international recommendation is that the monthly mortgage payment should not exceed 30–35% of the household's net monthly income. If you have other debts, the total should not exceed 40%. Use the "What mortgage can I afford?" section on this page to calculate your borrowing capacity.
Indicative figures for 2026. This calculator provides results based on the French amortisation system; for a binding offer please consult your local financial institution.
Frequently asked questions about mortgages in Bosnia and Herzegovina
How is the monthly mortgage payment calculated in Bosnia and Herzegovina?
What is the reference rate for variable mortgages in Bosnia and Herzegovina?
Is it better to take a fixed or variable mortgage?
What is a mortgage amortisation schedule?
What share of income should go towards a mortgage?
How is a mortgage calculated in other countries?
The French amortisation system (constant monthly payment) is universal, but each market has its own characteristics: the reference rate for variable mortgages, the typical fixed rate, the maximum loan term and the local currency all vary significantly. In high-inflation countries like Turkey or Argentina, rates exceed 30%; in Japan or Switzerland, they are below 2%.
| Country | Currency | Variable index | Typical fixed rate | Typical term |
|---|---|---|---|---|
| 🇫🇷 France | € (EUR) | Euribor | 3.5 % | 20 years |
| 🇩🇪 Germany | € (EUR) | Euribor | 3.5 % | 25 years |
| 🇬🇧 United Kingdom | £ (GBP) | Bank of England Base Rate | 4.5 % | 25 years |
| 🇨🇭 Switzerland | Fr. (CHF) | SNB Policy Rate / SARON | 1.8 % | 20 years |
| 🇺🇸 United States | $ (USD) | Prime Rate / Fed Funds Rate | 6.5 % | 30 years |
| 🇨🇦 Canada | CA$ (CAD) | Bank of Canada Policy Rate | 4.5 % | 25 years |
| 🇦🇺 Australia | A$ (AUD) | RBA Cash Rate | 5.5 % | 25 years |
| 🇳🇿 New Zealand | NZ$ (NZD) | RBNZ Official Cash Rate | 5.5 % | 25 years |
| 🇯🇵 Japan | ¥ (JPY) | Bank of Japan Policy Rate | 1.5 % | 35 years |
| 🇨🇳 China | ¥ (CNY) | LPR | 4.0 % | 25 years |
| 🇮🇳 India | ₹ (INR) | RBI Repo Rate | 8.5 % | 20 years |
| 🇧🇷 Brazil | R$ (BRL) | SELIC Rate | 11.5 % | 25 years |
| 🇲🇽 Mexico | $ (MXN) | TIIE | 11.0 % | 20 years |
| 🇹🇷 Turkey | ₺ (TRY) | CBRT Policy Rate | 35.0 % | 15 years |
| 🇿🇦 South Africa | R (ZAR) | SARB Repo Rate | 11.0 % | 20 years |
| 🇸🇬 Singapore | S$ (SGD) | central bank reference rate | 3.0 % | 30 years |
Mortgage calculators by country
Select your country to calculate the monthly payment with each market's default values:
North America
Central America
South America
Caribbean
Western Europe
Northern Europe
Southern Europe / Balkans
Eastern Europe
Central Asia & Caucasus
East Asia
South Asia
Southeast Asia
Middle East
North Africa
West Africa
Central Africa
East Africa
Southern Africa