{"id":2490,"date":"2026-10-23T01:49:46","date_gmt":"2026-10-22T23:49:46","guid":{"rendered":"https:\/\/eklik.co\/?page_id=2490"},"modified":"2026-10-23T01:50:55","modified_gmt":"2026-10-22T23:50:55","slug":"kreditni-kalkulator-bih","status":"publish","type":"page","link":"https:\/\/eklik.co\/bs\/kreditni-kalkulator-bih\/","title":{"rendered":"Kreditni kalkulator BiH: izra\u010dun rate kredita u KM"},"content":{"rendered":"<h1>Kreditni kalkulator BiH: izra\u010dun rate kredita u KM<\/h1>\n<p>Upi\u0161ite iznos kredita, kamatnu stopu i rok otplate i odmah dobijete mjese\u010dnu ratu, ukupnu kamatu i procjenu efektivne kamatne stope (EKS). Kalkulator radi za gotovinske, stambene i auto kredite, s anuitetnom otplatom ili jednakim ratama glavnice.<\/p>\n<div class=\"ekl\" id=\"ekl-ba\" data-ekl=\"{&quot;fmt&quot;:[&quot;,&quot;,&quot;.&quot;,&quot;KM&quot;,&quot;after&quot;,&quot;\\u00a0&quot;,&quot;\\u00a0&quot;],&quot;s&quot;:{&quot;amount&quot;:&quot;Iznos kredita&quot;,&quot;rate&quot;:&quot;Kamatna stopa&quot;,&quot;rate_sub&quot;:&quot;nominalna, godi\\u0161nja&quot;,&quot;term&quot;:&quot;Rok otplate&quot;,&quot;y&quot;:&quot;god.&quot;,&quot;m&quot;:&quot;mj.&quot;,&quot;years&quot;:&quot;Godine&quot;,&quot;months&quot;:&quot;Mjeseci&quot;,&quot;type&quot;:&quot;Na\\u010din otplate&quot;,&quot;ann&quot;:&quot;Jednake rate&quot;,&quot;ann_sub&quot;:&quot;anuitet&quot;,&quot;lin&quot;:&quot;Jednake glavnice&quot;,&quot;lin_sub&quot;:&quot;rata se smanjuje&quot;,&quot;fee&quot;:&quot;Naknada za obradu&quot;,&quot;fee_sub&quot;:&quot;neobavezno, % iznosa&quot;,&quot;payment&quot;:&quot;Mjese\\u010dna rata&quot;,&quot;first&quot;:&quot;Prva rata&quot;,&quot;last&quot;:&quot;Zadnja rata&quot;,&quot;interest&quot;:&quot;Ukupna kamata&quot;,&quot;fee_amt&quot;:&quot;Naknada za obradu&quot;,&quot;total&quot;:&quot;Ukupno za otplatu&quot;,&quot;eff&quot;:&quot;EKS (procjena)&quot;,&quot;eff_note&quot;:&quot;Procjena EKS uklju\\u010duje kamatu i naknadu za obradu, bez osiguranja i drugih tro\\u0161kova.&quot;,&quot;plan&quot;:&quot;Plan otplate&quot;,&quot;by_y&quot;:&quot;Po godinama&quot;,&quot;by_m&quot;:&quot;Po mjesecima&quot;,&quot;c_y&quot;:&quot;Godina&quot;,&quot;c_m&quot;:&quot;Mjesec&quot;,&quot;c_pay&quot;:&quot;Upla\\u0107eno&quot;,&quot;c_pr&quot;:&quot;Glavnica&quot;,&quot;c_in&quot;:&quot;Kamata&quot;,&quot;c_bal&quot;:&quot;Ostatak duga&quot;,&quot;split&quot;:&quot;Omjer glavnice i kamate&quot;,&quot;err&quot;:&quot;Provjerite unos: iznos ve\\u0107i od 0, kamata od 0 do 30 % i rok od 1 do 40 godina.&quot;,&quot;note&quot;:&quot;Informativni izra\\u010dun. Stvarna rata zavisi od ponude banke, datuma isplate i dodatnih tro\\u0161kova.&quot;,&quot;copy&quot;:&quot;Kopiraj rezultat&quot;,&quot;copied&quot;:&quot;Kopirano&quot;,&quot;csv&quot;:&quot;Preuzmi plan (CSV)&quot;},&quot;cc&quot;:&quot;BA&quot;}\" lang=\"bs-BA\">\r\n\t<form class=\"ekl-calc\" autocomplete=\"off\" novalidate onsubmit=\"return false\">\r\n\t\t<div class=\"ekl-in\">\r\n\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t<label class=\"ekl-label\" for=\"ekl-ba-amount\">Iznos kredita<\/label>\r\n\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-ba-amount\" data-f=\"amount\" type=\"text\" inputmode=\"decimal\" value=\"30.000\"><span class=\"ekl-unit\">KM<\/span><\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-two\">\r\n\t\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t\t<label class=\"ekl-label\" for=\"ekl-ba-rate\">Kamatna stopa <small>nominalna, godi\u0161nja<\/small><\/label>\r\n\t\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-ba-rate\" data-f=\"rate\" type=\"text\" inputmode=\"decimal\" value=\"6\"><span class=\"ekl-unit\">%<\/span><\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ekl-field\">\r\n\t\t\t\t\t<label class=\"ekl-label\" for=\"ekl-ba-term\">Rok otplate<\/label>\r\n\t\t\t\t\t<div class=\"ekl-input\"><input id=\"ekl-ba-term\" data-f=\"term\" type=\"text\" inputmode=\"numeric\" value=\"5\">\r\n\t\t\t\t\t\t<select data-f=\"unit\" aria-label=\"Rok otplate\"><option value=\"y\" selected>Godine<\/option><option value=\"m\">Mjeseci<\/option><\/select>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-presets\" role=\"group\" aria-label=\"Rok otplate\">\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"3\">3 god.<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset is-on\" data-years=\"5\">5 god.<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"10\">10 god.<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"15\">15 god.<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"20\">20 god.<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"25\">25 god.<\/button>\r\n\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"ekl-preset\" data-years=\"30\">30 god.<\/button>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t<fieldset class=\"ekl-field\">\r\n\t\t\t\t<legend class=\"ekl-label\">Na\u010din otplate<\/legend>\r\n\t\t\t\t<div class=\"ekl-seg\">\r\n\t\t\t\t\t<input type=\"radio\" name=\"ekl-ba-type\" id=\"ekl-ba-ann\" value=\"ann\" checked>\r\n\t\t\t\t\t<label for=\"ekl-ba-ann\">Jednake rate<small>anuitet<\/small><\/label>\r\n\t\t\t\t\t<input type=\"radio\" name=\"ekl-ba-type\" id=\"ekl-ba-lin\" value=\"lin\">\r\n\t\t\t\t\t<label for=\"ekl-ba-lin\">Jednake glavnice<small>rata se smanjuje<\/small><\/label>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/fieldset>\r\n\t\t\t<div class=\"ekl-field ekl-field--fee\">\r\n\t\t\t\t<label class=\"ekl-label\" for=\"ekl-ba-fee\">Naknada za obradu <small>neobavezno, % iznosa<\/small><\/label>\r\n\t\t\t\t<div class=\"ekl-input ekl-input--sm\"><input id=\"ekl-ba-fee\" data-f=\"fee\" type=\"text\" inputmode=\"decimal\" value=\"0\"><span class=\"ekl-unit\">%<\/span><\/div>\r\n\t\t\t<\/div>\r\n\t\t\t<p class=\"ekl-err\" role=\"alert\" hidden>Provjerite unos: iznos ve\u0107i od 0, kamata od 0 do 30 % i rok od 1 do 40 godina.<\/p>\r\n\t\t<\/div>\r\n\t\t<div class=\"ekl-out\" aria-live=\"polite\">\r\n\t\t\t<div class=\"ekl-hero\">\r\n\t\t\t\t<span class=\"ekl-hero__k\" data-o=\"pay_label\">Mjese\u010dna rata<\/span>\r\n\t\t\t\t<span class=\"ekl-hero__v\" data-o=\"pay\">579,98\u00a0KM<\/span>\r\n\t\t\t\t<span class=\"ekl-hero__sub\" data-o=\"pay_sub\"><\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<dl class=\"ekl-sum\">\r\n\t\t\t\t<div><dt>Ukupna kamata<\/dt><dd data-o=\"interest\">4.799,09\u00a0KM<\/dd><\/div>\r\n\t\t\t\t<div data-o=\"fee_row\" hidden><dt>Naknada za obradu<\/dt><dd data-o=\"fee\">0,00\u00a0KM<\/dd><\/div>\r\n\t\t\t\t<div><dt>Ukupno za otplatu<\/dt><dd data-o=\"total\">34.799,09\u00a0KM<\/dd><\/div>\r\n\t\t\t\t<div><dt>EKS (procjena)<\/dt><dd data-o=\"eff\">6,17\u00a0%<\/dd><\/div>\r\n\t\t\t<\/dl>\r\n\t\t\t<div class=\"ekl-bar\" role=\"img\" aria-label=\"Omjer glavnice i kamate\">\r\n\t\t\t\t<span class=\"ekl-bar__p\" data-o=\"bar_p\" style=\"width:86.21%\"><\/span><span class=\"ekl-bar__i\" data-o=\"bar_i\" style=\"width:13.79%\"><\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"ekl-legend\"><span><i class=\"ekl-dot ekl-dot--p\"><\/i>Glavnica <b data-o=\"leg_p\">30.000,00\u00a0KM<\/b><\/span><span><i class=\"ekl-dot ekl-dot--i\"><\/i>Kamata <b data-o=\"leg_i\">4.799,09\u00a0KM<\/b><\/span><\/div>\r\n\t\t\t<p class=\"ekl-note\">Procjena EKS uklju\u010duje kamatu i naknadu za obradu, bez osiguranja i drugih tro\u0161kova.<\/p>\r\n\t\t\t<div class=\"ekl-actions\"><button type=\"button\" class=\"ekl-btn\" data-a=\"copy\">Kopiraj rezultat<\/button><button type=\"button\" class=\"ekl-btn\" data-a=\"csv\">Preuzmi plan (CSV)<\/button><\/div>\r\n\t\t<\/div>\r\n\t<\/form>\r\n\t<div class=\"ekl-plan\">\r\n\t\t<div class=\"ekl-plan__head\">\r\n\t\t\t<h3 class=\"ekl-plan__title\">Plan otplate<\/h3>\r\n\t\t\t<div class=\"ekl-tabs\" role=\"tablist\">\r\n\t\t\t\t<button type=\"button\" role=\"tab\" aria-selected=\"true\" data-view=\"y\">Po godinama<\/button><button type=\"button\" role=\"tab\" aria-selected=\"false\" data-view=\"m\">Po mjesecima<\/button>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t<div class=\"ekl-table-wrap\" tabindex=\"0\">\r\n\t\t\t<table class=\"ekl-table\">\r\n\t\t\t\t<thead><tr><th scope=\"col\" data-o=\"col_p\">Godina<\/th><th scope=\"col\">Upla\u0107eno<\/th><th scope=\"col\">Glavnica<\/th><th scope=\"col\">Kamata<\/th><th scope=\"col\">Ostatak duga<\/th><\/tr><\/thead>\r\n\t\t\t\t<tbody data-o=\"tbody\">\r\n\t\t\t\t\t\t\t\t\t<tr><td>1<\/td><td>6.959,76\u00a0KM<\/td><td>5.304,04\u00a0KM<\/td><td>1.655,72\u00a0KM<\/td><td>24.695,96\u00a0KM<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>2<\/td><td>6.959,76\u00a0KM<\/td><td>5.631,19\u00a0KM<\/td><td>1.328,57\u00a0KM<\/td><td>19.064,77\u00a0KM<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>3<\/td><td>6.959,76\u00a0KM<\/td><td>5.978,51\u00a0KM<\/td><td>981,25\u00a0KM<\/td><td>13.086,26\u00a0KM<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>4<\/td><td>6.959,76\u00a0KM<\/td><td>6.347,25\u00a0KM<\/td><td>612,51\u00a0KM<\/td><td>6.739,01\u00a0KM<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t\t<tr><td>5<\/td><td>6.960,05\u00a0KM<\/td><td>6.739,01\u00a0KM<\/td><td>221,04\u00a0KM<\/td><td>0,00\u00a0KM<\/td><\/tr>\r\n\t\t\t\t\t\t\t\t<\/tbody>\r\n\t\t\t<\/table>\r\n\t\t<\/div>\r\n\t\t<p class=\"ekl-note\">Informativni izra\u010dun. Stvarna rata zavisi od ponude banke, datuma isplate i dodatnih tro\u0161kova.<\/p>\r\n\t<\/div>\r\n<\/div>\r\n\t\n<h2>Kako se ra\u010duna rata kredita<\/h2>\n<p>Kod anuitetne otplate sve su mjese\u010dne rate jednake. Rata se ra\u010duna formulom:<\/p>\n<p><strong>R = K \u00d7 r \u00d7 (1 + r)<sup>n<\/sup> \/ ((1 + r)<sup>n<\/sup> \u2212 1)<\/strong><\/p>\n<ul>\n<li><strong>K<\/strong> je iznos kredita (glavnica),<\/li>\n<li><strong>r<\/strong> je mjese\u010dna kamatna stopa, odnosno godi\u0161nja nominalna stopa podijeljena sa 12,<\/li>\n<li><strong>n<\/strong> je broj mjese\u010dnih rata.<\/li>\n<\/ul>\n<p><strong>Primjer:<\/strong> za kredit od 30.000 KM uz kamatnu stopu od 6 % na 5 godina (60 rata) mjese\u010dna rata iznosi 579,98 KM. Ukupno \u0107ete platiti 4.799,09 KM kamate, odnosno 34.799,09 KM zajedno s glavnicom.<\/p>\n<p>U svakoj rati jedan dio otpla\u0107uje kamatu, a drugi glavnicu. Na po\u010detku je udio kamate najve\u0107i, a kako se dug smanjuje, sve ve\u0107i dio rate odlazi na glavnicu. Ta\u010dan raspored vidite u planu otplate ispod kalkulatora.<\/p>\n<h2>Anuitet ili jednake rate glavnice<\/h2>\n<p>Kod <strong>anuitetne otplate<\/strong> rata je cijelo vrijeme ista, \u0161to olak\u0161ava planiranje ku\u0107nog bud\u017eeta. Kod otplate <strong>jednakim ratama glavnice<\/strong> svaki mjesec otpla\u0107ujete isti dio glavnice, pa je prva rata najve\u0107a, a zatim se postupno smanjuje.<\/p>\n<p>Za isti primjer (30.000 KM, 6 %, 5 godina) prva rata kod jednakih glavnica iznosi 650,00 KM, a zadnja 502,50 KM. Ukupna kamata je 4.575,00 KM, \u0161to je 224,09 KM manje nego kod anuiteta, jer se dug br\u017ee smanjuje.<\/p>\n<h2>Nominalna kamatna stopa i EKS<\/h2>\n<p>Nominalna kamatna stopa slu\u017ei za obra\u010dun kamate. <strong>Efektivna kamatna stopa (EKS)<\/strong> prikazuje stvarnu godi\u0161nju cijenu kredita: uklju\u010duje mjese\u010dni obra\u010dun kamate i tro\u0161kove poput naknade za obradu. Zato je EKS uvijek ne\u0161to vi\u0161i od nominalne stope.<\/p>\n<p>Uz nominalnu stopu od 6 % i mjese\u010dne rate EKS iznosi oko 6,17 %. Ako banka naplati i naknadu za obradu od 1 % (300,00 KM), EKS raste na oko 6,61 %. Pri pore\u0111enju ponuda zato uvijek gledajte EKS, a ne samo nominalnu kamatnu stopu.<\/p>\n<h2>Mjese\u010dna rata za stambeni kredit od 100.000 KM<\/h2>\n<p>Tablica prikazuje mjese\u010dnu ratu kod anuitetne otplate za kredit od 100.000 KM uz razli\u010dite kamatne stope i rokove.<\/p>\n<table>\n<thead>\n<tr>\n<th>Kamatna stopa<\/th>\n<th>20 godina<\/th>\n<th>25 godina<\/th>\n<th>30 godina<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>3 %<\/td>\n<td>554,60 KM<\/td>\n<td>474,21 KM<\/td>\n<td>421,60 KM<\/td>\n<\/tr>\n<tr>\n<td>4 %<\/td>\n<td>605,98 KM<\/td>\n<td>527,84 KM<\/td>\n<td>477,42 KM<\/td>\n<\/tr>\n<tr>\n<td>5 %<\/td>\n<td>659,96 KM<\/td>\n<td>584,59 KM<\/td>\n<td>536,82 KM<\/td>\n<\/tr>\n<tr>\n<td>6 %<\/td>\n<td>716,43 KM<\/td>\n<td>644,30 KM<\/td>\n<td>599,55 KM<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Du\u017ei rok smanjuje ratu, ali znatno pove\u0107ava ukupnu kamatu. Za 100.000 KM na 25 godina uz 4 % rata iznosi 527,84 KM, a ukupna kamata 58.350,44 KM.<\/p>\n<h2>Fiksna ili promjenjiva kamatna stopa<\/h2>\n<p>Fiksna kamatna stopa ne mijenja se u ugovorenom periodu, pa je i rata predvidljiva. Promjenjiva stopa prati referentnu kamatnu stopu i mo\u017ee se tokom otplate pove\u0107ati ili smanjiti. Kod promjenjive kamatne stope u Bosni i Hercegovini kamata je naj\u010de\u0161\u0107e vezana uz EURIBOR, na koji banka dodaje svoju mar\u017eu.<\/p>\n<h2>Na \u0161to pripaziti prije podizanja kredita<\/h2>\n<ul>\n<li>Uporedite EKS razli\u010ditih ponuda, a ne samo nominalnu kamatnu stopu.<\/li>\n<li>Provjerite sve tro\u0161kove: naknadu za obradu, osiguranje, procjenu nekretnine i notarske tro\u0161kove.<\/li>\n<li>Provjerite uslove prijevremene otplate i eventualnu naknadu za nju.<\/li>\n<li>Ostavite rezervu u bud\u017eetu za slu\u010daj rasta promjenjive kamatne stope.<\/li>\n<\/ul>\n<p>Vi\u0161e o pravima korisnika kredita pro\u010ditajte na stranici <a href=\"https:\/\/www.cbbh.ba\/\" target=\"_blank\" rel=\"noopener\">Centralne banke Bosne i Hercegovine<\/a>.<\/p>\n<p><em>Kalkulator slu\u017ei za informativni izra\u010dun. Stvarnu ratu, EKS i plan otplate utvr\u0111uje banka u ponudi i ugovoru o kreditu.<\/em><\/p>\n<section class=\"eklik-faq\" id=\"cesta-pitanja\"><h2>\u010cesta pitanja<\/h2><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Kako izra\u010dunati ratu kredita?<\/h3><div class=\"eklik-faq__a\"><p>Za anuitetnu otplatu koristi se formula R = K \u00d7 r \u00d7 (1 + r)^n \/ ((1 + r)^n \u2212 1), gdje je K iznos kredita, r mjese\u010dna kamatna stopa (godi\u0161nja podijeljena sa 12), a n broj rata. Kalkulator na ovoj stranici ra\u010duna ratu automatski.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Kolika je rata kredita od 30.000 KM na 5 godina?<\/h3><div class=\"eklik-faq__a\"><p>Uz kamatnu stopu od 6 % i anuitetnu otplatu mjese\u010dna rata iznosi 579,98 KM. Ukupna kamata je 4.799,09 KM, a ukupno \u0107ete vratiti 34.799,09 KM.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">\u0160ta je EKS?<\/h3><div class=\"eklik-faq__a\"><p>Efektivna kamatna stopa (EKS) prikazuje stvarnu godi\u0161nju cijenu kredita, uklju\u010duju\u0107i mjese\u010dni obra\u010dun kamate i tro\u0161kove poput naknade za obradu. Uz nominalnu stopu od 6 % i naknadu od 1 % EKS iznosi oko 6,61 %.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">\u0160ta je bolje, anuitet ili jednake rate glavnice?<\/h3><div class=\"eklik-faq__a\"><p>Anuitet ima jednake rate i lak\u0161i je za planiranje. Jednake rate glavnice imaju ve\u0107e po\u010detne rate, ali manju ukupnu kamatu. U primjeru od 30.000 KM na 5 godina uz 6 % razlika u kamati iznosi 224,09 KM.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Kolika je rata stambenog kredita od 100.000 KM na 25 godina?<\/h3><div class=\"eklik-faq__a\"><p>Uz kamatnu stopu od 4 % mjese\u010dna rata iznosi 527,84 KM, a ukupna kamata 58.350,44 KM. Uz 5 % rata je 584,59 KM.<\/p><\/div><\/div><div class=\"eklik-faq__item\"><h3 class=\"eklik-faq__q\">Koliko se u\u0161tedi ako je kamata ni\u017ea za jedan procentni poen?<\/h3><div class=\"eklik-faq__a\"><p>Kod kredita od 100.000 KM na 25 godina kamata od 4 % umjesto 5 % smanjuje ratu za 56,75 KM mjese\u010dno, a ukupnu kamatu za 17.026,61 KM.<\/p><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Kreditni kalkulator BiH: izra\u010dun rate kredita u KM Upi\u0161ite iznos kredita, kamatnu stopu i rok otplate i odmah dobijete mjese\u010dnu ratu, ukupnu kamatu i procjenu efektivne kamatne stope (EKS). Kalkulator radi za gotovinske, stambene i auto kredite, s anuitetnom otplatom ili jednakim ratama glavnice. Kako se ra\u010duna rata kredita Kod anuitetne otplate sve su mjese\u010dne&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2490","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kreditni kalkulator BiH: izra\u010dun rate kredita u KM<\/title>\n<meta name=\"description\" content=\"Kreditni kalkulator za BiH: izra\u010dunajte mjese\u010dnu ratu u KM, ukupnu kamatu i EKS te pogledajte plan otplate. Anuitet ili jednake glavnice.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/eklik.co\/bs\/kreditni-kalkulator-bih\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kreditni kalkulator BiH: izra\u010dun rate kredita u KM\" \/>\n<meta property=\"og:description\" content=\"Kreditni kalkulator za BiH: izra\u010dunajte mjese\u010dnu ratu u KM, ukupnu kamatu i EKS te pogledajte plan otplate. Anuitet ili jednake glavnice.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/eklik.co\/bs\/kreditni-kalkulator-bih\/\" \/>\n<meta property=\"og:site_name\" content=\"eKlik\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/eklik.co\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-22T23:50:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/eklik.co\/wp-content\/uploads\/2013\/08\/skidanje-pjesama.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"468\" \/>\n\t<meta property=\"og:image:height\" content=\"239\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Kreditni kalkulator BiH: izra\u010dun rate kredita u KM","description":"Kreditni kalkulator za BiH: izra\u010dunajte mjese\u010dnu ratu u KM, ukupnu kamatu i EKS te pogledajte plan otplate. Anuitet ili jednake glavnice.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/eklik.co\/bs\/kreditni-kalkulator-bih\/","og_locale":"hr_HR","og_type":"article","og_title":"Kreditni kalkulator BiH: izra\u010dun rate kredita u KM","og_description":"Kreditni kalkulator za BiH: izra\u010dunajte mjese\u010dnu ratu u KM, ukupnu kamatu i EKS te pogledajte plan otplate. Anuitet ili jednake glavnice.","og_url":"https:\/\/eklik.co\/bs\/kreditni-kalkulator-bih\/","og_site_name":"eKlik","article_publisher":"https:\/\/www.facebook.com\/eklik.co","article_modified_time":"2026-10-22T23:50:55+00:00","og_image":[{"width":468,"height":239,"url":"https:\/\/eklik.co\/wp-content\/uploads\/2013\/08\/skidanje-pjesama.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/eklik.co\/bs\/kreditni-kalkulator-bih\/","url":"https:\/\/eklik.co\/bs\/kreditni-kalkulator-bih\/","name":"Kreditni kalkulator BiH: izra\u010dun rate kredita u KM","isPartOf":{"@id":"https:\/\/eklik.co\/bs\/#website"},"datePublished":"2026-10-22T23:49:46+00:00","dateModified":"2026-10-22T23:50:55+00:00","description":"Kreditni kalkulator za BiH: izra\u010dunajte mjese\u010dnu ratu u KM, ukupnu kamatu i EKS te pogledajte plan otplate. Anuitet ili jednake glavnice.","breadcrumb":{"@id":"https:\/\/eklik.co\/bs\/kreditni-kalkulator-bih\/#breadcrumb"},"inLanguage":"hr","potentialAction":[{"@type":"ReadAction","target":["https:\/\/eklik.co\/bs\/kreditni-kalkulator-bih\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/eklik.co\/bs\/kreditni-kalkulator-bih\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/eklik.co\/bs\/"},{"@type":"ListItem","position":2,"name":"Kreditni kalkulator BiH: izra\u010dun rate kredita u KM"}]},{"@type":"WebSite","@id":"https:\/\/eklik.co\/bs\/#website","url":"https:\/\/eklik.co\/bs\/","name":"eKlik","description":"Portal popularnih sadr\u017eaja","publisher":{"@id":"https:\/\/eklik.co\/bs\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/eklik.co\/bs\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"hr"},{"@type":"Organization","@id":"https:\/\/eklik.co\/bs\/#organization","name":"eKlik","url":"https:\/\/eklik.co\/bs\/","logo":{"@type":"ImageObject","inLanguage":"hr","@id":"https:\/\/eklik.co\/bs\/#\/schema\/logo\/image\/","url":"https:\/\/eklik.co\/wp-content\/uploads\/2021\/11\/logo.png","contentUrl":"https:\/\/eklik.co\/wp-content\/uploads\/2021\/11\/logo.png","width":205,"height":48,"caption":"eKlik"},"image":{"@id":"https:\/\/eklik.co\/bs\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/eklik.co"]}]}},"_links":{"self":[{"href":"https:\/\/eklik.co\/bs\/wp-json\/wp\/v2\/pages\/2490","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eklik.co\/bs\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/eklik.co\/bs\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/eklik.co\/bs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/eklik.co\/bs\/wp-json\/wp\/v2\/comments?post=2490"}],"version-history":[{"count":1,"href":"https:\/\/eklik.co\/bs\/wp-json\/wp\/v2\/pages\/2490\/revisions"}],"predecessor-version":[{"id":2491,"href":"https:\/\/eklik.co\/bs\/wp-json\/wp\/v2\/pages\/2490\/revisions\/2491"}],"wp:attachment":[{"href":"https:\/\/eklik.co\/bs\/wp-json\/wp\/v2\/media?parent=2490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}