Individuals > Loans > One For All > One For All Consumer Loans
One For All Consumer Loans

SELECT THE LOAN THAT SUITS YOU MOST
The basic purpose of the loan is refinancing of debts of clients from other domestic banks. The Bank is offering to its clients a package of products and services as follows:
- Consumer unsecured Loan
- Overdraft with limit of one salary and American Express Green Credit Card with limit of two salaries by default for employees (pay-roll clients) in budget institutions, public companies, joint stock companies and other private well known companies;
- Active Web/ Mobile banking – free of charge
- Visa Electron Point – with the opening of the account
- American Express Enter debit cards - with the opening of the account
- Safe deposit box - free of charge for first year
- Option for additional amount of 30% as cash loan.
Amount: | 12,000 MKD - 1.200.000 MKD |
Beneficiaries: |
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Criteria: |
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Co-applicant/s: | 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 . |
Loan tenor: | 6 - 60 months for amounts up to MKD 300,000 6 - 120 months for amounts higher than MKD 300,000 |
Payment: | One-shot |
Re-payment: | Monthly installments |
Prepayment: | 0% on prepaid amount |
Expenses: |
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Penalty Interest Rate: | 9,5% |
Grace period: | Up to 6 months (with interest payments) |
Interest rate: |
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Collateral: |
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MORE INFORMATION ON 02 3251 900
Required documents
Required documents for applying for One For All - 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 mariаge 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
- 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
- Document for additional revenue (rent or other type of revenue) 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 for refinancing other loans/credit cards:
- 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
- For credit cards the last statement
1 For clients who receive salary through Silk Road Bank AD Skopje the same is not obligatory