The loans are approved without real estate mortgage or pledge of movable property.

• The purpose of the micro-loans:
  The micro-loans for financing of working capital the Bank approves to legal entities and independent trade stores – individual traders.
  
  
• Targeted group of clients:
  
  • An active giro-account with Ohridska Banka AD Ohrid via which payment are carried out;
  • Minimal monthly cash flow through the denar account in the amount of the approved loan
  • A positive financial result.
  
  
  
• The amount of the micro-loans:
  The amount of the approved loan is determined upon the circulation of the legal entity through the giro-account in the Bank, in the amount from 100.000 to 300.000 denars.
  
  
• Loan conditions:
  
  • Repayment period: maximum 12 months in equal monthly installments;
  • Most favorable interest rates.
    
    
• Securing of micro-loans:
  
  • promissory note endorsed by the company and two endorsers with proof of monthly salary and real estate in their name and;
  • client’s statement that the cash payments will exclusively be carried out through his account open with the Bank for the period of the loan utilization.