• Two options to choose from: an offer involving a three-year fixed interest rate and another one involving a variable interest rate throughout the entire term of the loan

• For loans involving three-year fixed interest rates, the interest rate is fixed during the first three years, starting from 5 %
• For loans involving variable interest rates throughout the entire term of the loan, the interest rate starts at 5.60 % + a six-month EURIBOR
• Loan maximum up to EUR 50,000

• Loan repayment term – up to 240 months
• Currency: MKD, with foreign currency clause included
• With or without insurance for the life of the loan

• A copy of a valid ID card
• A statement verifying the amount of your income
• 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

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

Risks covered:

• 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

Advantages:
• Greater security
• Protection of your family against loan burdens
• Premium included in the monthly installments
• An innovative service