MAXIMUM AMOUNT:

- up to EUR 30,000.00 / MKD 1,800,000.00;

50% own participation.

REPAYMENT PERIOD:

- up to 60 months;

Application costs – MKD 500.00;

Commission for approved loan:

• 1% for salary recipients in STBBT;
• 1,5% who do not receive salary in STBBT.

• ½ creditworthiness (annuity/salary) for loan applicants employed in PEs, budgetary or financial institutions and private companies eligible for the Bank – salary/pension recipients in STBBT or those who will sign a statement that will transfer their salary/pension in STBBT within not more than 45 days;
• 1/3 creditworthiness (annuity/salary) for loan applicants employed in private companies who are not salary/pension recipients in STBBT;
• age limit – maximum 64 years of age on the loan maturity date.

COLLATERAL INSTRUMENTS:

Attachment of salary, draft, draft endorsement, pledge on the purchased item, insurance policy assigned in favor of the Bank. It is possible to offer real estate as collateral in proportion 2/1 against the loan.

• 7.632% - MKD loan with FX clause (for loan applicant – salary recipients in STBBT);
• 10.00% - MKD loan (for loan applicant who are not salary recipients in STBBT).

• possibility of including not more than one loan applicant (close family member);
• for this product, registered farmers may apply in addition to employed.