Target group: Individual entrepreneurs and 100 % private legal entities (with/less than 100 employees) that are mostly engaged in production (including processing of agricultural raw materials), service and trade sector.

Purpose (included costs):

  • Fixed assets (equipment, machines, installations, land, renovation and modernization of bussiness premisses and manufacturing plants)
  • Working capital (procurement of raw materials, trade goods and other materials)

Loan amount: up to 50.000 EUR

Tenor: up to 30.09.2020 (including 12 months grace period)

Terms of repayment: Equal monthly installments

Interest rate:

  • 6,0 % per year fixed, for short term loan
  • 6,00 %+6m EURIBOR, for long term loan

Administration fee:

  • 0.5% for loans up to 12 months repayment period
  • 1% for loans  above 12 months repayment period

Collateral: Combination of the following instruments: promissory note in form of a notary act;  physical entities guarantors;  mortgage  on real estate, pledge on movables and rights, other collateral acceptable to the Bank

Excluded sectors for financing:

  • Manufacturing and trading of weapon or military equipment;
  • Manufacturing of alcohol;
  • Manufacturing or trading that includes endangered species;
  • Manufacturing of tobacco;
  • Activities related to casinos;
  • Speculation with currencies;
  • Investment and speculation with securities of any type;
  • Purchase and sell of real estate for speculation purposes


  • Projects with high environmental risk would be avoided
  • The projects must be designed according to and in consistence with related environmental, health, and emergency standards including the valid enivronmental laws and provisions in Macedonia

Be informed about


loan with deposit

Get your


You pay,
we’ll give you BONUS!

Go to


You can
do banking from everywhere!

Copyright 2014 HALKBANK AD Skopje. All rights reserved. | Privacy Policy | Cookie Policy