Individuals > Loans > Consumer Loans > EASY



12.000 MKD - 240,000 MKD
6 - 48 months
  • 0% loan administration fee
  • 500 MKD Application fee
  • 200 MKD Online application fee
Monthly installments

Max. 1 working day
0% on prepaid amount
  • For payroll and non payroll clients
  • MKD 6,69% - fixed IR for the for the first year
  • MKD 5.59% fixed IR for the for the second year
  • MKD 4,49% - fixed IR for the for the third and fourth year

  • 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 1.12%.

  • Administrative ban, if accepted by all parties (Company - Bank - Loan applicant)
  • Employees in the institutions financed from the Budget of RSM
  • Employees in public enterprises
  • Employees in state-owned companies and companies established by the municipality
  • Employees in financial institutions (banks, savings houses, exchange offices)
  • Employees of insurance companies
  • Employees in financial companies
  • Health workers

Only in case the criteria for monthly installment in relation to the salary is not fulfilled.
  • The loan applicant should be employed
  • The share of the total monthly debt in the total monthly income should be maximum 60%
  • VISA Classic debit cards / AMEX Point debit cars – by opening transactional account
  • Passive web/mobile banking

Informative example for Consumer loan

*The RTE is calculated for loan amountingto MKD 240,000 and 48 months loan tenor, where the calculations include the fixed interest rate for the entire repayment period.



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