Non-purpose consumer loans with deposit as collateral
Citizens of the Republic of Macedonia
max. 95% from the deposited amount
Purpose of the loan
Terms of payment
Equal monthly annuities, matured on the 1st of the next month from the days of disbursement
For disbursement of the loan 0,5% from the amount, min. 1.500 mkd.
For premature part liquidation, no charge
For premature liquidation, no charge
Pledge of deposit that can be MKD or FCY from individual or corporate user, whose term of the deposit is equal to or greater than the repayment period of the loan, with the following rules should be observed:
When the currency of the credit exposure is the same as the currency of the deposit / deposits used as collateral then credit exposure should not exceed 95% of the value of collateral;
When the currency of the credit exposure is different from the currency of the deposit / deposits that serve as collateral, then the exposure should not be higher than 90% of the value of collateral;
When the currency of the credit exposure is different from the currency of the deposit / deposits used as collateral, but the currency deposit / deposits is in Euro, then the exposure should not be higher than 95% of the collateral value.
System of appraisal
95% from the deposited amount
Application for consumer non-consumer loanwith pledged deposit
Copy of valid ID or passport of the applicant
Agreement (statement) for pledge of deposit
In cash at Bank’s counters (with disbursement order, on MKD passbook or current account)
Head of Retail Unit
Branch network Department
Tel. 02/ 32 47 000 ext. 480
* Last update of the web site 26.11.2015.