Purpose:

non-purpose loan - funds are directly transferred to the borrower’s transaction account (evidence for the loan purpose is not required)

Maximum amount:

depending on the loan applicant’s creditworthiness – up to EUR 15,000.00 

WITHOUT GUARANTORS – up to EUR 5,000.00 for employees in PEs, budgetary and financial institutions and private companies eligible for the Bank 

WITH 1 GUARANTOR – from EUR 5,000.00-10,000.00 - for employees in PEs, budgetary and financial institutions and private companies eligible for the Bank 

WITH 1 GUARANTOR – up to EUR 5,000.00 for employees in other private companies

WITH 2 GUARANTORS – from EUR 10,000.00-15,000.00 - for employees in PEs, budgetary and financial institutions and private companies eligible for the Bank 

WITH 2 GUARANTORS – from EUR 5,000.00 to EUR 7,500.00 for employees in other private companies

REPAYMENT PERIOD – up to 72 months

Application costs – MKD 500.00

Commission for approved loan - 2% 

• ½ creditworthiness (annuity/salary) for loan applicants employed in PEs, budgetary and financial institutions and private companies eligible for the Bank 
• 1/3 creditworthiness (annuity/salary) for loan applicants employed in other private companies
• ½ creditworthiness (annuity/salary) for guarantors
• age limit – maximum 64 years of age on the loan maturity date
  

• 1 M Euribor + 8.00 p.p. for borrowers without additional products and with one additional product of the Bank
• 1 M Euribor + 7.988 p.p. for borrowers with + 2 additional products of the Bank
• 1 M Euribor + 7.937 p.p. for borrowers with + 3 additional products of the Bank

* Floating interest rate consist of 1М EURIBOR changed semiannualy or 30.6 and 31.12 + margin

* 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.