Loan Description

ESNAF loan from Halkbank offers favorable conditions for Micro and Small Enterprises that want to expand their business. With Halkbank you have a partner who is committed to expanding your business.

Loan characteristics

  • MKD loan with an interest rate of 3,75%+RIR and 4,45+RIR depending on the period. 
  • Maximum amount up to 300.000,00 MKD total exposures in the bank;
  • Upfront fee for processing of the loan: 1,5% of the loan amount, once, in advance;
  • Repayment: equal monthly annuities.

Loan terms

Purpose: Working Capital and Fixed assets

Target group: Small and medium enterprises with positive financial results

Interest rate: 

  • 3,75 %+RIR p.a. for the period up to 48 months;
  • 4,45 %+RIR p.a. for the period up to 60 months.


  • Up to 24 Months for working capital
  • Up to 60 Months for fixed assets

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