Individuals > Loans > Car Loans > Car Loan for new vehicles

Car Loan for new vehicles

Loans for physical persons for buying all type or model of a new car.


Minimal amount EUR 3,000/MKD 180,000
Maximal amount EUR 20,000/MKD 1,200,000
From 12-84 months
  • 1.50% - Fee for loan administration (one-shot during disbursement)
  • 400 MKD - fee for review and processing of application (Application fee)
  • Expenses for booking the pledge and car insurance at cost
  • Draft expenses
  • Notary expenses
Monthly instalments
0% on prepaid amount
One-shot after signing the contract, on the account of the salesman opened in Silk Roud Bank AD Skopje (the payment is in MKD) The disbursement of the Loan is performed not later than 60 days after approval

    Loans in EUR
  • EUR 7.40% for loans with down payment between 25% - 50% if the client receives salary through Silk Road Bank AD Skopje and is beneficiary of two other products/services of Silk Road Bank AD Skopje (6 мес.EURIBOR+7.4%, min 7.4%) (RTE 8,86%)* 
  • EUR 7.45% for loans with down payment between 25% - 50% if the client receives salary through Silk Road Bank AD Skopje (6 мес.EURIBOR+7.55%, min 7.45%) (RTE 8.91%)*
  • EUR 7.50% for loans with down payment between 25% - 50% (6 мес.EURIBOR+7.5%, min 7.5%) (RTE 8.97%)*

  • EUR 7.30% for loans with down payment more than 50% if the client receives salary through Silk Road Bank AD Skopje and is beneficiary of two other products/services of Silk Road Bank AD Skopje (6 мес.EURIBOR+7.3%, min 7.3%) (RTE 8.75%)*
  • EUR 7.40% for loans with down payment more than 50% if the client receives salary through Silk Road Bank AD Skopje (6 мес.EURIBOR+7.40%, min 7.40%) (RTE 8.86%)*
  • EUR 7.50% for loans with down payment more than 50% (6 мес.EURIBOR+7.5%, min 7.5%) (RTE 8.97%)*

  • Loans in MKD
  • MKD 10.00% for loans with down payment between 25% - 50% if the client receives salary through Silk Road Bank AD Skopje and is beneficiary of two other products/services of Silk Road Bank AD Skopje (NRKS+8.02%, min.10%) (RTE 11,03%)**
  • MKD 10.25% for loans with down payment between 25% - 50% if the client receives salary through Silk Road Bank AD Skopje (NRKS+8.27%, min.10.25%) (RTE 11,03%)**(RTE 11.30%)**
  • MKD 10.5% for loans with down payment between 25% - 50% (NRKS+8.52%, min.10.5%) (RTE 11,58%)**

  • MKD 9.5% for loans with down payment more than 50% if the client receives salary through Silk Road Bank AD Skopje and is beneficiary of two other products/services of Silk Road Bank AD Skopje (NRKS+7.52%, min.9.5%) (RTE 10,47%)**
  • MKD 9.75% for loans with down payment more than 50% if the client receives salary through Silk Road Bank AD Skopje (NRKS+7.77%, min.9.75%) (RTE 10,75%)**
  • MKD 10% for loans with down payment more than 50% (NRKS+8.02%, min.10%) (RTE 11,03%)**
  •  The National Reference Interest Rate (NRKS) is used for loans in MKD as a reference interest rate, which is published on the website of the National Bank of the Republic of Macedonia under the name "interest rates on MKD deposits without FX clause". The interest rate adjustment will be carried out on a six-month basis on January 1 and July 1 each year based on the national reference interest rate, which is valid on June 25 and December 25. The referent interest rate currently valid is 1.94%.
  • For loans in EUR / MKD, a 6 (six-month) EURIBOR is used as a reference interest rate. The interest rate adjustment will be carried out on a six-month basis on January 1 and July 1 each year in accordance with the rate of 6 (six-month) EURIBOR which is valid on the last day of the previous half-year (31.12 and 30.06 respectively).
  • Car pledge on the car that is being bought on behalf of Silk Road AD Skopje
  • Draft and draft statement signed by the loan applicant and co-applicants
  • Administrative ban is anticipated if accepted by all parties (Company - Bank - Loan applicant)
  • Kasko (for all risks) insurance of the car on behalf of Silk Road Bank AD Skopje (franchise EUR 500)
  • Physical persons/citizens of RM
  • Age 18-72 (no older than 72 by the time of the final instalment)
Only in case the criteria for monthly instalment in relation with the incomes or pension and/or age is not fulfilled. There can be maximum 2 co-applicants.
Minimal down payment of 25% through transactional account
  • The participation of the total monthly debts in the total monthly incomes to be maximum 60% for MKD loans and 57% for EUR loans for employees in public institutions and 55% for MKD loans and 52% for EUR loans for other clients.
  • The Loan applicant to have permanent employment of minimum 12 months, from which at least 3 months with the current employer or to be pensioner
  • Salary/pension through Silk Road Bank (positive factor for Loan approval)
Three working days (after completion of the documentation)
  • Visa Electron Point - with opening transactional account
  • Enter American Express - with opening transactional account
  • American Express credit card with minimal amount of 100 EUR - according to the Credit policy

  • * RTE is calculated for loan amounting EUR 20.000 and 84 months loan tenor.
    ** RTE is calculated for loan amounting MKD 1.200.000 with 84 months loan tenor.  
    The Bank keeps its right to decline the application of the loan applicant.
    The Bank keeps the right to change the terms without a prior notice.

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