Individuals > Loans > Car Loans > Car Loan for new vehicles
Car Loan for new vehicles
Amount | Minimal amount EUR 3,000/MKD 180,000 Maximal amount EUR 20,000/MKD 1,200,000 |
Loan tenor: | From 12-84 months |
Expenses |
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Re-payment: | Monthly instalments |
Pre-payment: | 0% on prepaid amount |
Payment: | 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 |
Interest rate (variable): |
Loans in EUR Loans in MKD |
Collateral |
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Beneficiaries: |
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Co-applicant/s: | 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. |
Down payment: | Minimal down payment of 25% through transactional account |
Criteria: |
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Approval: | Three working days (after completion of the documentation) |
Related products: |
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MORE INFORMATION ON 02 3251 900
Required documents
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Filled application, signed by the loan applicant and co-applicant/s
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Copy of ID card/passport * of the credit applicant and co-applicant/s
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Certificates for the loan applicant (and co-applicant/s) for permanent employment at least 12 months and salary amount on a form from Silk Road Bank AD Skopje (verified and signed by authorized persons from the employer, not older than 30 days):
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For employees in budget institutions, public companies, joint stock companies and other private well known companies, only certificate for average salary in the last three months is required
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For employees in small private companies, certificate for average salary in the last 12 months is required (in case the employment is shorter than 12 months, certificate for average salary for the period since the employment in the company), as well as:
- 3 reviews PP 531 - Declaration for receipt from PRO for salary payment for the last month, review as of six months and review for salary paid 1 year ago,
- M1/M2 form for loan applicant and co-applicant -
For individual merchant and individual suppliers of services i.e. layers, notaries, executors etc. are requested to provide certificate for average salary in the last 12 months (in case the employment is shorter than 12 months, certificate for average salary for the period since the employment in the company), as well as:
- 3 reviews PP 531 - Declaration for receipt from PRO for salary payment for the last month, review as of six months and review for salary paid 1 year ago,
- M1/M2 form for loan applicant and for co-applicants
- Registration from the Central Registry -
For pensioners, the last cheque for pension is required
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Document for additional revenue (rent or other type of revenue)
- Tax return for additional revenue for the previous year -
Pro-forma invoice from the distributor
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Original invoice before disbursement
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Documents for registration of the vehicle (at least 30 days from the loan disbursement)
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Statement for connected subjects
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Statements from the Loan applicant and co-applicant/s that they haven't applied for loan in other bank
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Consent form for delivery of report from MCB
For verification of the data that are enclosed in the application, the applicant should enclose certificate for property (proof for ownership of property - if the applicant is the owner/proof for ownership of property of parent - if the applicant lives with parent/contract for rent - for rented property/proof for ownership of real estate: flat, house, business offices, villa, plot - if the applicant is owner and car registration - if the applicant is owner of a car) and the necessary documents for the AML/AFT control.