Purpose:

Purpose loan - funds are transferred to the borrower’s transaction account and then directly transmitted to the account of the company in line with the pro-forma invoice submitted.

Maximum amount:

Depending on the loan applicant’s creditworthiness – up to MKD 900,000 / EUR 15,000.00;

WITHOUT GUARANTORS – up to MKD 300,000.00 / EUR 5,000.00 for employees in PEs, budgetary and financial institutions and private companies eligible for the Bank;

WITH 1 GUARANTOR – from MKD 301,000.00 / EUR 5,001.00 to MKD 600,000.00 / EUR 10,000.00 for employees in PEs, budgetary and financial institutions and private companies eligible for the Bank;

WITH 1 GUARANTOR – up to MKD 300,000.00 / EUR 5,000.00 for employees in other private companies;

WITH 2 GUARANTORS – from MKD 601,001.00 / EUR 10,001.00 to MKD 900,000.00 / EUR 15,000.00 for employees in PEs, budgetary and financial institutions and private companies eligible for the Bank;

WITH 2 GUARANTORS – from MKD 300,001.00 / EUR 5,001.00 to MKD 450,000.00 / EUR 7,000.00 for employees in other private companies.

REPAYMENT PERIOD:

• up to 60 months for loans up to MKD 300,000.00 / EUR 5,000.00;
• up to 84 months for loans over MKD 300,001.00 / EUR 5,001.00.

Application costs – MKD 500.00.

Commission for approved loan:

• 1% for salary recipients in STBBT;
• 1.5 for non-salary recipients in STBBT.

• ½ creditworthiness (annuity/salary) for loan applicant - employees in PEs, budgetary and financial institutions and private companies eligible for the Ban;
• 1/3 creditworthiness (annuity/salary) for loan applicant-employees in other private companies;
• ½ creditworthiness (annuity/salary) for guarantors;
• age limit – maximum 64 years of age on the loan maturity date.

MKD loans:

• 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.

MKD loans with FX clause:

• 7.632% interest rate annually for borrowers without additional products and with one additional product of the Bank;
• 7.615% interest rate annually for borrowers with + 2 additional products of the Bank;
• 7.60% 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.