Required documents for applying for Consumer loan:

• Filled application, signed by the loan applicant and co-applicant/s
• Birth certificate not older than 6 months
• Consent given by the spouse (bank form) after approval before disbursement
• Copy from the ID card/passport of the credit applicant and co-applicant/s
• Birth certificate or maridge certificate for amounts higher than MKD 300.000 up to MKD 600.000 (after approval of the loan request, upon Notary request)
• Copy of the last paid bill (electricity, water supply, telephone) delivered to home address (to confirm the residence address)
• Certificates for the loan applicant (and co-applicant/s) for permanent employment at least 12 months 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 employees in budget institutions, public companies, joint stock companies and other private well known companies, only certificate for average salary in the last three months is required

• For employees in small private companies
• certificate for average salary in the last 12 months is required, as well as:
• 3 reviews PP 531
• Declaration for receipt from PRO for salary payment for the last month, review as of six months and review for salary paid 1 year ago
• M1/M2 form for loan applicant and co-applicant
• For individual merchant, individual suppliers of services i.e. layers, notaries, executors etc.
• are requested to provide certificate for average salary in the last 12 months, as well as:
• 3 reviews PP 531
• Declaration for receipt from PRO for salary payment for the last month,
• review as of six months and review for salary paid 1 year ago,
• M1/M2 form for loan applicant and for co-applicants
• Registration from the Central Registry
• Tax balance sheet and balance sheet of revenues and expenditures for the last year
• For pensioners, the last cheque for pension is required
• Administrative ban is expected if it is acceptable by all parties (company - Bank - loan applicant).
• Document for additonal revenue (rent or other type of revenue)
• Tax return for additional revenue for the previous year
• 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)

Additional documents in case of refinancing other loans/credit cards:

• Copy of the Contract for the loan/credit card that is refinanced.
• Certificate for the current state of the credit obligations in other bank.
  The certificate not be older than 3 days from the date of application

1 For clients who receive salary through Silk Road Bank AD Skopje the same is not obligatory