• Without participation
• Without deposits and guarantors up to 36 months¹
• Repayment period from 6 to 84 months
• Maximum indebtness ratio 50%²
• Loan amount: 150 - 8000 EUR³
• Nominal interest rate: 12%
• Rate of total expence: 12.69%
• Without administrative ban
• Without disbursment fees in case of refinancing existent debts.
• Disbursement fee for loan approval: 1.75%, min. 3 EUR
• Preterm repayment: 1%⁴

¹ For loans above 36 months it is necessary to provide 1 creditworthy endorser or 20% deposit to which the bank calculates interest at savings at sight
² For clients with net salary above 18000 MKD through OB.
³ The amount in euros is calculated in denars counterpart in accordance to average exchange rate of the same day.
⁴ In case of refinancing with loan from another bank 5%.

• Without participation
• Without deposit and guarantors
• Repayment period from 36 to 180 months
• Maximum indebtness ratio to 50% with joint incomes⁵
• Loan amount : 5.000 - 50.000 еuros⁶
• Nominal interest rate: 4,8% + 6 month euribor
• Rate of total expence: from 10,14%
• Without administration ban
• Without disbursement fees in case of refinancing existent debts
• Disbursement fees for loan approval: 1,5%
• Ratio mortgage-loan should be minimum 1,5:1

⁵ In solidarity debtors role can be include two more creditworthy persons.
⁶ The amount in euros is calculated in denars counterpart in accordance to middle course of the same day

• 100% deposit in euros or denars
• Or 110% deposit in US dollars
• Payment period from 6 to 120 months
• Minimum amount of the loan: 150 EUR⁷
• Nominal interest rate: 3% + interest to the deposit for deposits in EUR and MKD and 4% + interest of the deposit for other currencies
• Rate of total expence: 3.04%
• Without administration ban and guarantor
• Without disbursement fees for loan approval
• Without disbursement fees for preterm repayment

⁷ The amount in euros is calculated in denars counterpart in accordance to average exchange rate of the same day