Loan Terms

 Users  
  • Legal entities
Target group  
  • Private micro and small enterprises and entrepreneurs (MSEs)  that are registered on the territory of R. Macedonia
  Amount of  loan  
  • Up to 100.000,00 EUR
Currency
  • EUR
Interest rate 
  • 6,5 % per year fixed, for short term loan
  • 6,5 % +6m EURIBOR, for long term loan
  Fee Processing
  • 0.5% of the amount of the loan once in advance  for loans with tenor  up to 12 months;
  • 1% of the amount of the loan once in advance  for loans with tenor  more than 12 months
  Repayment period
  • Up to 36 months for WC;
  • Up to 30.11.2021 for FA.
Grace period
  • Up to 6 months for WC;
  • Up to 12 months for FA.
Repayment
  • Monthly installments and revolving for short term loans;
  • Monthly installments for long term  loans;
Purpose of the loan
  • Working capital (purchase of raw materials, commodities trade or other material);
  • Fixed assets (equipment, machinery, installations, constructions,  renovation and modernization of operating facilities and production facilities and other investments);
Prepayment fee
  • 3% of the amount of the outstanding for long term loan
  • 0% of the amount of the outstanding for short term loan
  Collateral Combination of the following instruments:
  • Mortgage  on real estate,
  • Pledge on movables and rights,
  • Guarantors;
  • Entities as a guarantors;
  • Other collateral acceptable to the Bank

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