Individuals > Loans > Consumer Loans > Mother
SELECT THE LOAN THAT SUITS YOU MOST
|Silk Road Bank presents you the one and only consumer unsecured loan MOTHER intended for all women i.e. mothers who have children up to 6 years age with fixed interest rate for the first 18 months - only 4,9% and American Express credit card!|
The only requirement is that at the moment of applying, the applicant to have a child or children not older than 6 years.
Gift package of products for your child With each approved application in the period from 01.12.2019 to 29.02.2020, you will receive a package of products for your child needs, in the amount of 3.000,00 MKD.
|Loan amount||30.000,00 MKD - 600.000,00 MKD|
|Tenor||6- 72 months|
|Promotional period until 31.12.2019||
|With each approved and disbursement loan, you get an American Express credit card in the
amount of two monthly salaries.|
With owning the card you get interest-free grace period of up to 50 days and a minimum monthly repayment of only 3% of the transactions made in the month. The card also gives you access to the one and only Your Bonus program that offers cashback up to 15% with transactions made from selected merchants.
|Prepayment||0% on prepaid amount|
|Co-applicants||Only in case the criteria for monthly installment in relation to the salary or pension and/or age is not fulfilled.|
Maximum two co-applicants.
* The RTE is calculated for loan amount MKD 600.000,00 and 72 months loan tenor, with 0% administrative fee and 200 MKD application fee.
MORE INFORMATION ON 02 3251 900
Required documents for applying for Consumer loan:
- Filled application, signed by the loan applicant and co-applicant/s
- Birth certificate
- Birth certificate for a child
- 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
- 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