Individuals > Loans > Consumer Loans > EASY
EASY
Amount | 12.000 MKD - 240,000 MKD |
Loan tenor | 6 - 48 months |
Expenses |
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Re-payment | Monthly installments |
Time limit for loan approval | Max. 1 working day |
Prepayment | 0% on prepaid amount |
Payment | One-shot |
Interest rate |
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Collateral |
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Criteria |
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Co-applicant/s - guarantor/s | Only in case the criteria for monthly installment in relation to the salary is not fulfilled. |
Criteria |
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Related products |
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*SVT is calculated for loan amount MKD 240,000, 1.5% max. 1.000,00 MKD loan administration fee and 48 months loan tenor, where the calculations include the fixed interest rate for the entire repayment period. |
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See moreRequired documents
Required documents for applying for EASY Consumer loan:
- Filled application, signed by the loan applicant and co-applicant/s
- Copy from the ID card/passport of the credit applicant and co-applicant/s
- Certificates for the loan applicant (and co-applicant/s) for permanent and part-time employment 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)
- For pеrmanent employees in budget institutions, public companies, state-owned companies and companies established by the municipality, banks, insurance companies and health workers in state and public institutions,certificate for average salary in the last 3 months is required
- For part-time employees in budget institutions, public companies, state-owned companies and companies established by the municipality, banks, insurance companies and health workers in state and public institutions, certificate for average salary in the last 6 months is required, and bank statement for the last 6 months for the loan applicant
- For pеrmanent employees in savings houses, exchange offices, financial companies and private health workers, certificate for average salary in the last 6 months is required, bank statement for the last 6 months and M1/M2 form for the loan applicant
- For part-time employees in savings houses, exchange offices, financial companies and private health workers, certificate for average salary in the last 6 months is required, bank statement for the last 12 months and M1/M2 form for the loan applicant
- Statement of related entites
- Statement from the loan applicant and co-applicant/s about already applied/not applied for loan in other banks
- Consent form for delivery of a report from MKB (Macedonian Credit Bureau)
EASY
Loan amount |
300,000.00 MKD |
300,000.00 MKD |
600,000.00 MKD |
600,000.00 MKD |
Loan tenor |
60 months |
60 months |
84 months |
84 months |
Monthly instalment for the first year |
5,730.00 MKD |
5,863.00 MKD |
8,622.00 MKD |
8,895.00 MKD |
Monthly instalment for the rest of period |
6,114.00 MKD |
6,217.00 MKD |
9,473.00 MKD |
9,684.00 MKD |
Interest rate for the first year |
MKD 5,50% | MKD 6.45% | MKD 5,50% | MKD 6.45% |
Interest rate for the rest of the period |
MKD 8.85% * |
MKD 9.50% ** |
MKD 8.85% * |
MKD 9.50% ** |
Effective interest Rate ( EIR) |
8.79% |
9.62% |
8.87% |
9.66% |
Fee for loan administration |
2.00 % |
2.00 % |
2.00 % |
2.00 % |
Application fee |
150.00 MKD |
150.00 MKD |
150.00 MKD |
150.00 MKD |
Calculated interest rate (for the total loan tenor, under conditions of regular loan repayment) |
62,244.00 MKD |
68,767.00 MKD |
185,559.00 MKD |
203,990.00 MKD |
Draft expenses |
500.00 MKD |
500.00 MKD |
0.00 MKD |
0.00 MKD |
Notary expenses *** |
n/a | n/a | According Notary Tariff | According Notary Tariff |
Total loan costs **** |
68,894.00 MKD |
75,417.00 MKD |
197,709.00 MKD |
216,140.00 MKD |
Total amount that is paid by the loan user |
368,894.00 MKD |
375,417.00 MKD |
797,709.00 MKD |
816,140.00 MKD |
* For clients who receive salary on account with Silk Road Bank AD Skopje
** For other clients
*** The amount of the notary expenses is not familiar, and the same are obligation of the loan user. The notary costs are regulated in the Notary Tariff of notary expenses.
**** In the total costs for the given example, the Notary expenses are not included.