Long-term deposit loan


Purpose: Funding short-term liabilities of clients by cash deposit collateral


Loan amount:

By the deposit amount

Loan currency:

Denars (MKD), MKD loan with FX clause and foreign currency loans

Repayment period:

up to 10 years with possible grace period included

Repayment terms:

one-off at the end of the repayment period or in equal monthly, quarterly or semiannual annuities



Minimum amount of the deposit in compliance with the Collateral Catalogue and Policy of the Bank** In case where the deposit is in the same currency as that of the loan, the deposit amount should be at least 103% of the loan value. Foreign currency deposit may serve as collateral of MKD loan under the above proportion. MKD deposit may serve as collateral of a foreign currency loan to amount to at least 125% of the loan value.The deposit validity period should be at least equal or longer than the loan period.

interest rates

Interest margin:

In accordance with the Decision on Interest Rate Policy of the Bank (between 1% and 3% interest margin over the interest rate of the deposit, depending on deposit/loan ratio and cooperation level with the Bank


One-off commission under the Fee and Commission and Service Tariff of the Bank (currently 0.3% one-off, minimum MKD 3,000, maximum MKD 50,000)

Commission for prepayment of the loan:

commission free

Other fees and commissions:

MKD 2,000 handling fee for approved application

Loan currency:

If foreign currency loans or MKD loans with FX clause are in question, realization and collection of the loan is made in compliance with the Decision on Interest Rate Policy of the Bank