Loan terms

  • Amount: up to 1.500.000 MKD
  • Tenor: up to 120 months
  • Creditworthiness: according to monthly income
  • Interest rate – 5% fixed for the first three years, for 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%  ( 5,38 APR). * the insurance policy package is not calculated in APR
  • Upfront fee: 0%
  • Fee for prepayment: 0%
  • Fees for the loan :
    • fee for control in the Loan Register: 350 MKD (the fee is paid before the payment of the loan and it is not paid for declined or canceled requests),
    • fee for loan application: 150 mkd
    • The amount of the cost for insurance policy package from of Halk Insurance
      (the amount of the fee for the policy package is up to the tariff of Halk Insurance and personal parametars of the client).

* 5,38% APR for loan amount of 600.000 MKD, interest rate 5% fixed for the first three years, for the rest of the period  5,5 % variable, tenor 120 months, application fee 150 MKD and costs for checking in MKB 350 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 policy for insurance.

*** In the example the policy does not enter into the APR calculation.

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