Loan Description

RAAT loan from Halkbank offers a simple solution for financing of working capital and other liabilities of businesses whose business cycle is longer than one year. Conceptualized to allow sufficient time for repayment under competitive conditions, RAAT loan of Halkbank is your financial tool that will enable stable functioning in most turbulent time.

Loan terms

Amount of the loan:         

• Up to 600.000,00 MKD for micro enterprises
• Up to 1.200.000,00 MKD  for small enterprises
• Up to 6.000.000,00 MKD  for medium and large enterprises

Purpose: Working Capital

Target Group: micro, small, medium and large enterprises with positive financial results

Currency: Denar (MKD) loan

Interest Rate:

• micro enterprises:
  • from 6,5 % fixed per year, loan up to 12 months;
  • from 5,25% +RIR, Long term above 12 months not less from 6,5% per year;
• Small enterprıses:
  • from 5,5 % fixed per year, loan up to 12 months;
  • from 4,25% +RIR, Long term above 12 months not less from 6,5% per year;
• medium and large enterprises:
  • from 4,5 % fixed per year, loan up to 12 months;
  • from 3,25% +RIR, Long term above 12 months not less from 4,5% per year;

Upfront Fee: 0,4 %  from the loan amount, in advance , yearly

Tenor: Up to 24 Months

Repayment: Revolving