• Physical persons - citizens of RM
• Age 18-72 (no older than 72 by the time of the final installment of the loan)

• 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%
• Creditor protect insurance (CPI) or life insurance is mandatory for loans with a repayment term of up to 95 months
  
• Life insurance is mandatory for loans with a repayment term of 96 to 120 months
  

• 6 - 60 months for amounts up to MKD 300,000
• 6 - 120 months for amounts higher than MKD 300,000

• * 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 1,56%.
  

• 0% loan administration fee
• 600 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
  

• 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

• Visa Classic - by opening transactional account
• American Express Point - by opening transactional account
• Passive web/mobile banking

Informative example for Consumer loan

*The RTE is calculated for loan amountingto MKD 1.500,000 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.

*Тhe RTE is calculated for loan amountingto MKD 1.500.000 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.