Special deposit pledge loan

DEPOSIT LOAN INTENDED FOR EMPLOYEES IN COMPANIES AND THEIR RELATED ENTITIES, WHICH HAVE OVER MKD 60,000,000.00 PARTICIPATION IN THE BANK

non-purpose loan, funds are transferred to the borrower’s transaction account


characteristics

MAXIMUM AMOUNT:

without limit

REPAYMENT PERIOD:

- up to 360 months

Charges for loan application – MKD 300.00

Commission for approved loan- 0.1% of the loan amount, max MKD 3,000.00

Prepayment fee - 0%


conditions

COLLATERAL INSTRUMENTS:

  • cash deposit in the same currency as the loan currency with equal or longer maturity than that of the loan
  • Possessory lien agreement
  • draft and draft endorsement (only for loans secured by 103% deposit)

interest rates

  • 1.00% exceeding the interest rate on the deposit paid by the Bank - 130% deposit against the loan amount
  • 1.50% exceeding the interest rate on the deposit paid by the Bank - 115% deposit against the loan amount
  • 1.75% exceeding the interest rate on the deposit paid by the Bank - 110% deposit against the loan amount
  • 2.00% exceeding the interest rate on the deposit paid by the Bank - 103% deposit against the loan amount

other info

Repayment terms:

1/ equal monthly annuity

2/ monthly payment of the interest, and repayment of the total debt at the end of the period