Rates
- Amount: 75.000 EUR
- Tenor: up to 95 month
- Interest rate: 5,80% fixed for the first year, the rest of the period 6,80% variable + 6 month Euribor (APR 6.74%)
- Upfront fee: 0% for client with salary in HB, 2,00% for other client
- Loan costs: 350 MKD (the fee is charged prior to the disbursement of the loan and is not charged for declined and cancelled requests), 150 mkd for loan application, promissory note, mandatory notarization according to the notary tariff, Casco policy in favor of the Bank according to the tariff of the insurance company chosen by the borrower.
- Creditworthiness - Up to 50% of regular monthly payments (total monthly liabilities based on loans, credit cards, and overdraft)
- Own participation
- 0% for vehicle up to 12.000 EUR
- 20% for vehicle above 12.000 EUR
* 6,74 % APR for loan amount of 20,000 Eur , interest rate variable 6,80 %, tenor 95 months, application fee 150 MKD and costs for checking in MKB 350 MKD
** The tenor of the loan , the amount of the loan, the amount of the loan costs included in the calculation of the APR and the amount of the contractual interest rate affect the amount of the annual percentage rate of total costs (APR).