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Non-purpose consumer loans with pledge of real estate

Target group

  • Individuals, citizens of Republic of Macedonia, professionally engaged individuals over 18 years of age and pensioners.


  • Depending on the appraised value of the pledged real-estate.


  • MKD
  • MKD with fcy currency 

Terms of payment

  • Equal monthly annuities, matured each 1st of the following month from the day of disbursment

Payment period

  • 12 - 180 months, grace period of 6 months, for newly approved loans

Interest rate

  • 7,50% at annual level, variable interest rate, for users of Premium Smart and Premium VIP packages for loans in MKD, rte 8,59%
  • 8,10% for users of loan in MKD with fcy currency
  • 9,00% at annual level, variable interest rate, for users that receive their payment/pension  in TTK Bank. Rte 10,23%
  • 9,50% at annual level, variable interest rate, for users that does not receive their payment/pension  in TTK Bank. Rte 10,78%
  • Default interest rate 8,109% at annual level for matured, but unpaid liabiliites for loan in MKD with fcy currency.Rte 8,90%
  • Default interest rate 11,50% at annual level for matured, but unpaid liabiliites.


  • 900 MKD for loan application
  • Loan disbursment: 
  • For amount bellow 30.000 euro, 2.00% from the amount of the loan or minimum 6.000 mkd. * PROMOTIONAL 1,00% min. 3.000 mkd
  • For amount above 30.000 euro, 1,5% from the amount of the loan. * PROMOTIONAL 1,00%
  • For administrating the loan, 0,2% of the amount from the rest of the liability (yearly at the begining), max.5.000 mkd
  • Pre-matured part liquidation, no fee. 
  • Pre-matured full liquidation, no fee.


  • Pledge of real-estate (appartment, house, business premises, land)

Other terms

  • Annuity / Salary = 1/2

Appraisal system

  • The amount depends of the appraised mortgage (1:1,5 to 1:3 depending on the objects’ attractiveness)

Obligatory criteria

  • Permanent employment of the applicant and the co - applicant

Documents required

  • Application for consumer non-purpose loan with pledge of real-estate
  • Copy of valid ID or passport of the applicant and the co-applicant
  • Certificat for permanent employment
  • List of property
  • Property insurance and registry in the benefit of the Bank for all years to the final payment of the loan
  • Birth cerfitficat/Mariage certificate
  • Notary act


  • In cash at Вank’s counters (with disbursement order, on MKD savings book or current account)

* The promotional period is valid from 15.04.2013 till 30.06.2013. Promotional fee reduction applies for approval of non purpose consumer loan for refinancing credit exposures to other banks.


Contact Person:

Bojan Shterjovski 
Head of Retail Unit
Branch network Department
Tel. 02/ 32 47 000 ext. 480
E-mail. bojan.sterjovski@ttk.com.mk



* Last update of the web site 26.11.2015

Copyright ТТК БАНКА АД Скопје Народен Фронт 19А 1000 Скопје тел/факс: 02/3236-400 e-mail: ttk@ttk.com.mk мапа на сајтот предупредување