Individuals > Loans > Consumer Loans > Consumer Loan

Consumer Loan
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Amount 12,000 MKD - 1.500,000 MKD
Beneficiaries
  • Physical persons - citizens of RM
  • Age 18-72 (no older than 72 by the time of the final installment of the loan)
Criteria
  • The age of the applicant by the time of the final installment should be less than 72 years
  • The loan applicant should be employed or be pensioner
  • The share of the total monthly debt in the total monthly income should be maximum 55%
Co-applicant/s - guarantor/sOnly in case the criteria for monthly installment in relation to the salary or pension and/or age is not fulfilled
Loan tenor
  • 6 - 120 months
PaymentOne-shot
Re-paymentMonthly installments
Prepayment0% on prepaid amount
Interest rate

Consumer credit up to MKD 1,500,000 with a repayment term of up to 95 months with Credit Protect Insurance Policy (CPI) or Life Insurance Policya:

For pay-roll clients:
  • MKD 5.40% fixed interest rate for the first two years
  • MKD 8.77% (NRKS + 6.47%, minimum 8.77%) variable interest rate for the rest of the period (SVT 7.49%)*

For non-pay-roll clients:
  MKD 6.80% fixed interest rate for the first year;
  MKD 9.77% (NRKS + 7.47%, minimum 9.77%) variable interest rate for the rest of the period (SVT 9.43%)

Consumer credit up to MKD 1,500,000 with a repayment term of up to 95 months without an insurance policy included: 

For pay-roll clients:
  • MKD 5.60% fixed interest rate for the first two years
  • MKD 8.97% (NRKS + 6.67%, minimum 8.97%) variable interest rate for the rest of the period (SVT 7.70%)*

For non-pay-roll clients:
  • MKD 6.90% fixed interest rate for the first year
  • MKD 9.97% (NRKS + 7.67%, minimum 9.97%) variable interest rate for the rest of the period (SVT 9.62%)*

Consumer credit up to MKD 1,500,000 with a repayment term of 96-120 months with Life Insurance Policya: 

For pay-roll clients:
  • MKD 6.25% fixed interest rate for the first year
  • MKD 8.50% (NRKS + 6.20%, minimum 8.50%) variable interest rate for the rest of the period (SVT 8.37%)*

For non-pay-roll clients:
  • MKD 9.25% fixed interest rate for the first year
  • MKD 11.50% (NRKS + 9.20%, minimum 11.50%) variable interest rate for the rest of the period (SVT 11.62%)* 
* 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 2,30%.
Expenses
  • 2% max. MKD 2.000,00 loan administration fee
  • 800 MKD Application fee
  • 200 MKD Online application fee
  • Notary expenses for solemnization of the contract for amounts above MKD 600,000
  • Cost for creditor protect insurance (CPI) policy, or life insurance policy
  • The insurance premium is included in the approved loan amount. When paying off the loan, the approved amount will be reduced by the premium that is transferred to the account of the insurance company
  • The cost of the policy is determined additionally in accordance with the legal regulations and the tariff of the insurance company
Collateral

  • Administrative ban, if accepted by all parties (Company - Bank - Loan applicant)
  • Creditor protect insurance (CPI) policy or employee life insurance policy
  • A life insurance policy or an accident insurance policy for retirees
Related products
  • Visa Classic - by opening transactional account
  • American Express Point - by opening transactional account
  • Passive web/mobile banking


*SVT is calculated for loan amountingto MKD 1.500,000, 2% max. 2.000,00 MKD loan administration fee and 95 months loan tenor, where the calculations include the fixed interest rate for the first two years, variable interest rate for the remaining period.

*SVT is calculated for loan amountingto MKD 1.500.000, 2% max. 2.000,00 MKD loan administration fee and 120 months loan tenor, where the calculations include the fixed interest rate for the first one years, variable interest rate for the remaining period.


The total costs of the credit, in this decision, are all costs, including interest, commissions, taxes and any other fees in connection with the consumer credit agreement that consumers have to pay during the approval and regular payment of the credit and what is known to the creditor, except for notary costs. The costs of services related to the consumer credit agreement are included in the total costs of the credit.

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