NON-PURPOSE CONSUMER MKD LOAN WITH FIXED INTEREST RATE INTHE FIRST YEAR

non-purpose loan – funds are directly transferred to the borrower’s transaction account (the loan may be used for refinancing liabilities to other banks, refinancing liabilities incurred from credit cards, overdraft limit and loans with FX clause in the Bank)


characteristics

MAXIMUM AMOUNT

depending on the loan applicant’s creditworthiness – up to MKD 600,000.00

MKD 150,000.00 for fixed term employees in Dräxlmaier, Kromberg&Schubert and Marquardt Macedonia

WITHOUT GUARANTORS – up to MKD 400,000.00 for employees in PEs, JSCs and other companies eligible for the Bank, DHL Dooel Skopje

WITHOUT GUARANTORS - up to MKD 150,000.00 for pensioners

WITH 1 GUARANTOR – from MKD 400,001.00-600,000.00 for employees in PEs, JSCs and other companies eligible for the Bank, DHL Dooel Skopje

WITH 1 GUARANTOR – up to MKD 300,000.00 for employees in other companies

WITH 1 GUARANTOR – from MKD 150,000.00 to MKD 300,000.00

WITH 2 GUARANTORS – from MKD 300,001.00-600,000.00 for employees in other companies and pensioners

Application costs –

  • MKD 500.00 for employed
  • MKD 300.00 for pensioners 

Commission for approved loan – 2.00% / MKD 0.00 for refinancing in other banks

REPAYMENT PERIOD

  • up to 95 months
  • up to 60 months for employees on definite-time employment in Dräxlmaier, Kromberg&Schubert and Marquardt Macedonia

conditions

  • ½ creditworthiness (annuity/salary) for employees in PEs, JSC, other companies eligible for the Bank, DHL Macedonia and pensioners
  • creditworthiness up to 40% months for employees in other private companies and on definite-time employment in Dräxlmaier, Kromberg&Schubert and Marquardt Macedonia 
  • age limit – maximum 64 years of age on the loan maturity date for the employees , 70 for the pensioners

interest rates

MKD loan - 7.50% fixed interest rate in the first year / 10.90% adjustable for the remaining period


other info

* If the employer’s policy is to not verify attachment of salary, mandatory solemnization of the agreement with enforcement clauses is necessary.

** One guarantor may be replaced by solemnized loan agreement with enforcement clauses signed by the loan applicant if possessing property in their own name, or by another co-debtor who possesses property in their own name.

- for employees in PEs, JSCs and companies eligible for the Bank, it is not mandatory to receive the salary in STBBT, for the employees in Dräxlmaier and for others, the salary/pension must be mandatory received on a transaction account in STBBT.