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Housing loan

5+ HOUSING LOAN

HOUSINGA SUBSIDISED
HOUSING LOAN

HOUSINGLOAN IN COOPERATION
WITH INVESTORS

Advantages
Insurances
Осигурување
  • Promotional period from 03.06-14.09.2019 for administrative expenses
  • A fixed interest rate during the first five years, starting from 3.10%
  • Loan maximum up to EUR 200,000
  • Loan repayment term of up to 360 months
  • Grace period – 12 months in case of construction, or 6 months, if otherwise
  • Currency: MKD, with a foreign currency clause included
  • With or without insurance for the life of the loan
Read more
  • 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 3 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
  • In case of a purchase – a pre-contract/purchase agreement verified by a notary; in case of renovation, an appraisal and estimate done by an authorized firm
  • A salary statement, an administrative ban and an administrative ban statement

*The bank reserves the right to adopt a decision to approve the loan, and to seek additional documentation and collaterals

An annual insurance premium of 0.85 % (full package) or 0.44% (partial package), on the remaining loan principal balance.

    Risks covered:
  • Death because of an accident and/or illness.
  • Total and permanent disability because of an accident or illness.
  • Permanent and total loss of an ability because of illness or accident.
    Advantages:
  • Greater security
  • Protection for your family against loan burdens
  • A premium included in the monthly installments
  • An innovative service
Advantages
Required documents
Insurance
  • A possibility to choose from two options: subsidizing of a portion of the monthly annuity and subsidizing of the participation in the housing loan for purchasing a flat or a house
  • A fixed interest rate during the first five years, starting from 3.95 % in the first three years, and 4.44 % in the fourth and the fifth years, if you have selected the first option (subsidizing of a portion of the monthly annuity)
  • An interest rate of 4.5 % + a 6-month EURIBOR at the annual level, in case you have selected the second option (subsidizing the participation in the housing loan for purchasing a flat or a house)
  • Loan maximum up to EUR 50,000
  • Loan repayment term of up to 360 months
  • Currency: MKD, with a foreign currency clause included
  • With or without an insurance for the life of the loan

*The bank reserves the right to adopt a decision to approve the loan, and to seek additional documentation and collaterals.

This type of a housing loan does not include the service of insurance for the life of the loan.

Advantages
Required documents
Insurance


This housing loan is designed for buying an apartment through investors with whom Ohridska Banka has concluded cooperation agreements.

  • A fixed interest rate during the first five years, starting from 3.00%
  • Loan maximum up to EUR 200,000
  • Loan repayment term of up to 360 months
  • Currency: MKD, with a foreign currency clause included
  • With or without insurance for the life of the loan
Read more List of investors

*The bank reserves the right to adopt a decision to approve the loan, and to seek additional documentation and collaterals

    An annual insurance premium of 0.85 % (full package) or 0.44% (partial package), on the remaining loan principal balance.

    Risks covered:
  • Death because of an accident and/or illness.
  • Total and permanent disability because of an accident or illness.
  • Permanent and total loss of an ability because of illness or accident.
    Advantages:
  • Greater security
  • Protection for your family against loan burdens
  • A premium included in the monthly installment
  • An innovative service