MAXIMUM AMOUNT

up to MKD 1,800,000.00 / EUR 30,000.00

REPAYMENT PERIOD:

-up to 180 months

Charges for loan application – MKD 700.00

Commission for approved loan

• 1.5% for individuals who do not receive their salary in STBBT
• 1% for individuals who receive their salary in STBBT
  

Prepayment fee 

• commission free for prepayment up to 20% of the remaining portion of the loan principal in the current month;
• 3% of the prepaid loan principal, for amounts over 20% of the remaining portion of the loan principal 
  

CREDITWORTHINESS:

1. If the mortgage value is 2:1 against the loan value, creditworthiness has to be in proportion 1/3 annuity/salary

2. If the mortgage value is 3:1 against the loan value, creditworthiness has to be in proportion ½ annuity/salary

• possibility of inclusion of not more than one loan applicant (close family member)
• age limit – maximum 70 years of age on the date of the loan maturity
  

COLLATERAL INSTRUMENTS:

draft and draft endorsement, attachment of salary*, mortgage on real estate, policy assigned in favor of the Bank

7.632% - adjustable interest rate for MKD loans with FX clause

10.50% - adjustable interest rate for MKD loan