Individuals > Loans > Housing Loans > Housing Loan with credit life insurance
Housing Loan with credit life insurance
With the housing loan from Silk Road Bank with life insurance now is easy to choose your #NewHome!
Relax with your own new home! Apply for the Housing Loan and get an amount of 5,000 up to 400,000 euros. Use the loan to buy a new apartment or a new house, or to refinance housing loans from other banks. | ||||||||||||||||
Interest rates | ||||||||||||||||
Loans in EUR |
For Payroll clients For non-payroll clients in the Bank
* For housing loans with EUR clause, six-month EURIBOR is used as the reference interest rate. Adjustment of the interest rate is carried out on a six-monthly basis, on 01.01 and 01.07 of each year according to the rate of 6 six-month EURIBOR, which is valid on the last day of the previous half-year. The rate of the 6-month EURIBOR on 01.01.2024 is 3.885 and it is valid until 30.06.2024 | |||||||||||||||
Amount |
| |||||||||||||||
Beneficiaries |
| |||||||||||||||
Criteria |
| |||||||||||||||
Co-applicant/s |
| |||||||||||||||
Loan tenor |
| |||||||||||||||
Down payment |
| |||||||||||||||
Grace period |
| |||||||||||||||
Purpose |
| |||||||||||||||
Expenses |
| |||||||||||||||
Payment |
| |||||||||||||||
Repayment | Monthly instalments | |||||||||||||||
Pre-payment |
| |||||||||||||||
Collateral |
| |||||||||||||||
Insurance |
| |||||||||||||||
Related products: |
| |||||||||||||||
Proof for the purpose |
| |||||||||||||||
|
MORE INFORMATION ON 02 3251 900
SEE OUR LOANS
Consumer Loans
See moreRequired documents
General documents:
- Copy from the ID card/passport of the credit applicant (co-applicant/s)
- Birth certificate
- Consent given by the spouse (bank form) after approval before disbursement
- Draft from the credit applicant (co-applicants)
- Recent birth certificate in order to prove kinship
- Application for housing loan filled by the credit applicant
- Recent wedding certificate in order to prove martial status of the credit applicant (in case the incomes of the spouse are taken in consideration)
- Notarized statement that they will not rent the apartment i.e. house and that will not additionally burden the real estate with mortgage and that will not transfer the ownership to other parties during the first 5 years of the day of disbursing the loan when applying for ”Buy a house, buy an apartment” both models and “Buy a house for the young” model ”Participation”, or during the first 12 years of the day of disbursing the loan when applying for “Buy a house for the young” model ”Installment”
- Notarized statement that the applicant and his spouse do not use another housing loan on the day of submitting the application for subsidized housing loan.
Documents for verification of income and address:
- Certificate for the credit applicant (and co-applicant/s) 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
- For pensioners, the last cheque for pension is required.
-
Document for additional revenue (rent or other type of revenue)
- Tax re turn 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.
Documents for acquiring housing/land:
-
Certificate for ownership (property deed) of real estate from the Agency for Real Estate of RM (in case of initial approval)
-
Certificate from the Agency for Real Estate of RM that the property is not under mortgage
-
Notarized Contract before the sales (proof for the loan purpose)
- Registration of property list in the Agency for Real Estate of RM (proof of ownership).
-
Documents for construction, finishing and adaptation:
-
Property list for land where the object will be build/finished/renovated and adapted
-
Certificate from the Agency for Real Estate of RM that the property is not under mortgage
-
Report for evaluation of the performance (bill-calculation) and the tenor of completing (proof for the loan's purpose)
-
Approval for constructions/approval for building
-
Planned budget of costs, prepared from authorized person and certified by the municipality (project, elaborate for construction) in case of building and finishing
-
Registration of property list in the Agency for Real Estate of RM.
Additional documents which should be provided in the next phases:
-
Proof for down payment (bank statement or copy of payment order)
-
Notarized 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.
1For clients who receive salary through Alpha Bank AD Skopje the same is not obligatory