Loans for exporters


Purpose: Support to export oriented companies through purchase of fixed assets or working capital (minimum 50% for fixed assets, raw material and other material, and the remaining up to 50% on the borrower’s account). Intended for solvent export oriented companies and companies having projects in terms of higher net foreign exchange inflows


Loan amount:

up to 70% of realized export under the recent balance sheet or in the current year (higher amount is taken as a base), and maximum EUR 15,000

Loan currency:

Foreign currency loan

Repayment period:

up to 12 months

Loan term:

depending on the client’s needs,

Repayment terms:

One-off at the end of the maturity period with possibility for prepayment (fully or partially to repayment of the total amount to the scheduled term)



In line with the Bank Collateral Catalogue and Policy*

Minimum eligible collateral:

For an amount of EUR 50,000 in denar counter value, minimum collateral may be 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 reduced for 1 percentage point


One-off commission in accordance with the Fee and Commission and Service Tariff of the Bank (currently 0.5% one-off, minimum MKD 3,000 and maximum MKD 150,000 for loans secured by real estate as mortgage and movables as collateral, and 2% one-off, minimum MKD 3,000 for the remaining collateral, other than deposit collateral)

Other fees and commissions:

MKD 2,000 handling fee for approved application

Loan currency:

Realization and collection of the loan is made in accordance with the Decision on Interest Rate Policy of the Bank