Individuals > Loans > Consumer Loans > Make a Break
Make a Break

Amount | Мinimum 12,000 MKD Маximum 300,000 MKD |
Loan tenor | 6 - 48 months |
Deadline for application approval | Maximum 3 working days |
Loan expenses |
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Re-payment | Monthly installments |
Payment | One-shot |
Payment currency | MKD |
Prepayment | 0% on prepaid amount |
Interest rates |
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Penalty interest rates | МKD 12.75% |
Collateral |
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Insurance |
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Beneficiaries |
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Co-applicant/s |
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Related products |
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Distribution channels | Branches of Silk Road Bank AD Skopje |
* The calculation was made with MKD 300.000 for 48 months, with 0% commission for loan administration and 600 MKD fee for processing of the application. |
MORE INFORMATION ON 02 3251 900
Required documents
Required documents for applying for Consumer loan:
- Filled application, signed by the loan applicant and co-applicant/s
- Birth certificate
- 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 mariage certificate for amounts higher than MKD 300.000 up to MKD 600.000 (after approval of the loan request, upon Notary request)
- 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 additional revenue (rent or other type of revenue)
- Tax return for additional revenue for the previous year
- Statement of related entities
- 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