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 |
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%. |
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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*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. |
MORE INFORMATION ON 02 3251 900
Required 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.