Loan terms

  • Amount - up to 1.500.000 МKD
  • Max Tenor - 120 months
  • Grace period - 6 months
  • Creditworthiness - according to monthly income
  • Interest rate - 5% fixed for the first two years, the rest of the period 5,5% variable  i.r. defined as:  4 p.p  + referent  rate for calculation legal interest rate form NBRM, which currently is 1,5 % (5,60% APR)
  • Upfront fee - 0% up to 30.11.2020
  • Fee for prepayment: 0%
  • Costs :
    • 350 MKD (the fee is paid before the payment of the loan and it is not paid for declined or canceled requests)
    • 150 MKD for loan application.
    • Cost for insurance policy

Depending on the loan amount, the policy can be:

- Accident policy 600 mkd per year, for a period equal to the loan repayment period

- Insurance policy package with risk of death from any cause and permanent disability (over 30%) - depending on the personal parameters of the borrower and the loan amount

* 5,60% APR for loan amount of 600.000 MKD with 6 months grace period,  interest rate 5% fixed for the first two years, for the rest of the period variable 5,5%, tenor 95 months, application fee 150 MKD, costs for checking in MKB 350 MKD and cost for insurance policy 600 MKD.

** The amount of the annual percentage rate of total costs (APR) is affected by the loan repayment term, the loan amount, the amount of loan costs included in the calculation of the APR,  the amount of the contractual interest rate and the amount of the insurance policy.



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