MAXIMUM AMOUNT

depending on the loan applicant’s creditworthiness

WITHOUT GUARANTORS - up to MKD 120,000.00 

WITH 1 GUARANTOR – from MKD 120,000.00 to MKD 200,000.00

WITH 2 GUARANTORS – over MKD 200,000.00

REPAYMENT PERIOD

• • up to 48 months – for a loan up to MKD 120,000.00
• • Up to  60 months – for a loan over MKD 120,000.00

Application costs – MKD 300.00

Commission for approved loan

• • 1% for purpose loans
• • 2% for non-purpose loans

• ½ creditworthiness (annuity/salary) for borrowers who receive their pension on a transaction account in STBBT or sign statement that their pension will be transferred through STBBT within 45 days, whose loans are secured by at least 1 guarantor - 1/3 creditworthiness (annuity/salary) for loan applicants in other private companies
• 1/3 creditworthiness (annuity/salary) for borrowers whose loans are secured only by draft (without guarantors)
• ½ creditworthiness (annuity/salary) for the guarantor(s)
• age limit – maximum 75 years of age on the loan maturity date for the borrowers, 70 for the guarantors
  

Reference interest rate for calculation of the default rate + 7.65 p.p. 

* Floating interest rate composed of reference interest rate + margin