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 MKD 900,000.

WITHOUT GUARANTORS – up to MKD 300,000.00 for employees in PEs, budgetary and financial institutions and private companies eligible for the Bank.

WITH 1 GUARANTOR – from MKD 300,001.00-600,000.00 - for employees in PEs, budgetary and financial institutions and private companies eligible for the Bank;

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

WITH 2 GUARANTORS – from MKD 600,001.00-900,000.00 for employees in PEs, budgetary and financial institutions and private companies eligible for the Bank WITH 2 GUARANTORS – from MKD 300,001.00-450,000.00 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.

• 11.25% interest rate annually for borrowers without additional products and with one additional product of the Bank;
• 11.10% interest rate annually for borrowers with + 2 additional products of the Bank;
• 11.00% interest rate annually for borrowers with + 3 additional products of the Bank.

* 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.