MORE INFORMATION ON 02 3251 900

1. General documents:

• Copy from the ID card/passport of the credit applicant (co-applicant/s, guarantor)
• Birth certificate not older than 6 months
• Consent given by the spouse (bank form) after approval before disbursement
• Draft from the credit applicant (co-applicants/guarantor)
• Recent wedding certificate in order to prove martial status of the credit applicant (in case the incomes of the spouse are taken in consideration)
• Recent birth certificate in order to prove kinship
• Application for housing loan filled by the credit applicant

2. Documents for verification of income and address:

• Copy of the last paid bill (for electricity, water supply, telephone etc.) received on home address (to confirm the residence address)
• Certificate for the credit applicant (and co-applicant/s - guarantor) for permanent employment and their financial data:

• 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 and 3 reviews PP 531 are required - 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-applicants;
  
•  For individual merchant, owners of small companies and individual suppliers of services i.e. layers, notaries, executors etc. are requested to provide certificate for average salary in the last 12 months and 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 and
     - Decision for performance of basic activity
     - Registration from the Central Registry
     - Balance sheet and Income statement for the last three years;
  
• For pensioners, the last cheque for pension is required.

• Document for additonal revenue (rent or other type of revenue)
    - Tax return for additional revenue for the previous year
  
• Statement of related parties
• Statement from credit applicant and co-applicant/s - guarantor if they have already applied/not applied for loan in other bank
• Consent form for delivery of a report from MCB.

3. Documents for acquiring housing/land:

• Registration of property/ pre-property deed in the Agency for Real Estate of RM (proof of ownership)
• Certificate from the Agency for Real Estate of RM that the property is not under mortgage
• Contract before the sales (proof for the loan purpose)

4. Documents for construction, finishing, renovating and adaptation:

• Property list for land where the object will be build/finished/renovated and adaptated
• Registration od property list in the Agency for Real Estate of RM
• Certificate from the Agency for Real Estate of RM that the property is not under mortgage
• Report for evaluation of the perfomance (bill-calculation) and the tenor of completing (proof for the loan's purpose)
• Planned budget of costs, prepared from authorized person and certified by the municipality (project, elaborate for construction) in case of building and finishing
• Proof for paid electricity, water supply etc.
• Approval for constructions/approval for building.

5. Documents for transfer of balance:

• Copy of the contracts signed by the credit applicant and certain bank
• Copy of the decision from the previous registration of mortgage from appropriate registry (Notary act)
• Announcement for financial obligation from other bank which contains all details:
      - purpose of the loan (i.e. acquiring of first housing);
      - current loan state (days of delayed payment and delayed amounts);
      - currency connected with the loan, remained tenor and unsettled balance;
      - matured interest;
      - amount and precentage of the costs paid in advance.
  
• Statement with the last three payments for the loan which is refinanced
• Letter from the bank with consentment for Silk Road Bank AD Skopje to establish morgage from 2nd rank (if the same real estate is proveded as collateral) and statement that the mortgage will be released after the payment is received.

• Proof for down payment (bank statement or copy of payment order)
• Contract for sale and purchase
• Evaluation statement
• Policy for insurance of real estate in favor of the bank
• Property certificate on the name of the loan applicant, 6 months from the loan disbursement at the latest - in case of multiple disbursement, 6 months from the last disbursement at the latest.1

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