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A++ Specific-Purpose Cash Loans

Specific-purpose cash loans intended for financing energy-efficient products. Use our A++ energy-efficiency loans to invest wisely in technologies with a higher level of energy efficiency, and receive a grant of up to 20 % for a successfully realized project.

A++ Cash Express Loan

Advantages:

  • A fixed interest rate throughout the entire loan term, starting from 5.55% during the first 3 years
  • A return of up to 20 % of the amount of the approved loan – energy-efficiency investment grants supported by the European Bank for Reconstruction and Development (EBRD)
  • Loan maximum up to EUR 20,000
  • Loan repayment term of up to 95 months
  • Currency: MKD, with foreign currency clause included
  • With or without insurance for the life of the loan

An online catalogue including the list of categories of technologies acceptable for crediting on the part of GEFF is available at this link


Required documents:

  • A copy of a valid ID card
  • A statement verifying the amount of your income
  • Duly filled-in M1/M2 and PDD MP forms for the last three months – for persons employed in privately-owned firms
  • A bill of exchange and a promissory note
  • A salary statement, an administrative ban and an administrative statement ban
  • * The bank reserves the right to reach a decision to approve the loan and seek additional documentation and collaterals

Insurance:

An annual insurance premium of 0.85% on the amount of the loan;

  • Death as a consequence of an accident and/or illness
  • Total and permanent disability as a consequence of an accident and/or illness
  • Permanent and total loss of an ability as a consequence of an accident and/or illness
  • Greater security
  • Protection of the family against loan burdens
  • Premium included in the monthly installments
  • An innovative service

A++ CASH MORTGAGE LOAN

Advantages:

  • A fixed interest rate during the first three years starting from 5.50%, followed by a variable rate until the end of the loan term
  • A return of up to 20% of the amount of the approved loan – energy-efficiency investment grants
  • Loan maximum up to EUR 50,000
  • Loan repayment term of up to 240 months
  • Currency: MKD, with foreign currency clause included
  • With or without insurance for the life of the loan

An online catalogue including the list of categories of technologies acceptable for crediting on the part of GEFF is available at this link..


Required documents:

  • A copy of a valid ID card
  • A statement verifying the amount of your income
  • Duly filled-in M1/M2 and PDD MP forms for the last three months – for persons employed in privately-owned firms
  • A bill of exchange and a promissory note
  • Proof of real estate ownership – a deed of title
  • A salary statement, an administrative ban and an administrative statement ban
  • The bank reserves the right to reach a decision to approve the loan and to seek additional documentation and collaterals

Insurance:

An annual insurance premium of 0.85% on the amount of the loan;

  • Death as a consequence of an accident and/or illness
  • Total and permanent disability as a consequence of an accident and/or illness
  • Permanent and total loss of an ability as a consequence of an accident and/or illness
  • Greater security
  • Protection of the family against loan burdens
  • Premium included in the monthly installments
  • An innovative service