Loan terms

  • Amount - 1.200.000 МKD
  • Tenor - 95 months
  • Creditworthiness - according to monthly income
  • Interest rate - 5% fixed for the first three 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 % (5,80% APR)
  • Upfront fee - 1% after approving
  • Fee for prepayment: 0%
  • Mandatory insurance policy from Halk Insurance AD Skopje
    • 600 MKD per year for a period equal to the loan repayment period
  • 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.

* 5,80% APR for loan amount of 600.000 MKD, interest rate 5% fixed for the first three 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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