Permanent working capital loan


PURPOSE: Funding permanent working capital necessary for stable operations, increased trade and profit from the business


Loan amount:

By the creditworthiness of the loan applicant.

Loan currency:

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

Repayment period:

up to 36 months with possible 6-month grace period included

Loan term:

up to one month prior expiry of the grace period, depending on the client’s needs

Repayment terms:

equal monthly, quarterly or semiannual annuities, and in extraordinary cases annual annuities



In line with the Bank Collateral Catalogue and Policy*

Minimum eligible collateral:

Mortgage on real estate and/or pledge on movable properties and notarized draft or solemnized credit exposure agreement with enforcement clauses 

interest rates

Interest rate:

In accordance with the Decision on Interest Rate Policy of the Bank


One-off commission in accordance with the Fee and Commission and Service Tariff of the Bank (currently 0.5% one-off, + 1% of the borrowed loan amount, minimum MKD 3,000, and maximum MKD 180,000 for MKD loans and 1.5% one-off, minimum MKD 3,000, maximum MKD 500,000 for foreign currency loans secured by real estate as mortgage and movables as collateral, and 2% one-off, minimum MKD 3,000 for other collateral, except for deposit collateral)

Commission for prepayment of the loan:

For prepayment up to 20% of the principal balance on the date of the payment, no commission is calculated for prepayment of the loan, for repayment exceeding 20% of the principal balance, 3% commission is calculated on the prepaid amount

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 collect of the loan is made in compliance with the Decision on Interest Rate Policy of the Bank