Pensioner consumer loan – floating interest rate


non-purpose loan – funds are directly transferred to the borrower’s transaction account (evidence for the loan purpose is not required). Purpose – funds are transferred to the borrower’s transaction account and directly transmitted to the company account under the pro-forma invoice / invoice submitted.



depending on the loan applicant’s creditworthiness

WITHOUT GUARANTORS - up to MKD 120,000.00 

WITH 1 GUARANTOR – from MKD 120,000.00 to MKD 200,000.00

WITH 2 GUARANTORS – over MKD 200,000.00


  • • up to 48 months – for a loan up to MKD 120,000.00
  • • Up to  60 months – for a loan over MKD 120,000.00

Application costs – MKD 300.00

Commission for approved loan

  • • 1% for purpose loans
  • • 2% for non-purpose loans


  • ½ creditworthiness (annuity/salary) for borrowers who receive their pension on a transaction account in STBBT or sign statement that their pension will be transferred through STBBT within 45 days, whose loans are secured by at least 1 guarantor - 1/3 creditworthiness (annuity/salary) for loan applicants in other private companies
  • 1/3 creditworthiness (annuity/salary) for borrowers whose loans are secured only by draft (without guarantors)
  • ½ creditworthiness (annuity/salary) for the guarantor(s)
  • age limit – maximum 75 years of age on the loan maturity date for the borrowers, 70 for the guarantors

interest rates

Reference interest rate for calculation of the default rate + 7.65 p.p. 

* Floating interest rate composed of reference interest rate + margin

other info

* 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.