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CONTACT INFORMATION:
STOPANSKA BANKA AD - SKOPJE

 

24 hours CONTACT CENTER (02) 3100 109

 

address:
11 Oktomvri 7, 1000 Skopje, Republic of Macedonia

fax:
+ 389 (02) 3114 503 

e-mail:
kontaktcentar@stb.com.mk

 


 

 

CHARACTERISTICS OF AUTO BUSINESS LOAN WITH PARTICIPATION PAID IN 3 INSTALLMENTS

 

CHARACTERISTIC  OF  AUTO BUSINESS LOAN WITH PARTICIPATION IN 3 INSTALLMENTS WITHOUT INTEREST FOR SMALL BUSINESS COMPANIES

Comparative advantages
  • Auto business loan without participation
  • Loan for participation in three installments without interest, that is 12.% from the approved amount
  • Customer pays interest only on the amount of the approved loan reduced by the amount of participation
  • Opportunity of lending for VAT up to one year, only for customers that have a right to recover VAT
  • Low average monthly repayment
  • Low interest rate

 

Purpose

Purchasing new cars / commercial vehicles from auto dealers Avtonova or Automobile SK

Amount Up to EUR 100,000
Currency

MKD/EUR

Tenor
  • Up to 7 years
  • Lending for VAT up to 1 year (for legal entities that have right to recover VAT)
Collateral
  • Casco insurance policy  of the commercial vehicle in favor of SB
  • Bill/s of exchange
Disbursement

To Autonova or Automobile SK gyro account in the Bank

Repayment
  • Equal monthly instalments
  • Participation can be paid in the first three installments without calculation of interest
  • Successively,  maximum 12 months (for VAT)
Amount of participation (3 installments without interest)
  • Min. 10% of commercial vehicle with value equal or up to EUR 16,000
  • Min. 20% of commercial vehicle with value above t EUR 16,000
Annual interest rates 
  • EUR:   7.5%
  • MKD: 10.5% 

 

Expenses
  • 1,000 MKD application fee, once off (in advance)
  • 2% management fee, once off (in advance)
  • 2% early closing fee

 

Credit criteria
  • Legal entities registered in R Macedonia
  • Profitable company 
  • Creditworthiness  of the company analysed by credit officer of the Bank
Required documentation for application
  • Application for Auto business loan
  • Original registration document and authorised signature from the Central Registry
  • Official financial statements for the last 3 years
  • Interim financial statements
  • (Pro) invoice for the vehicle which is subject of purchasing, marked for the program “Participation in 3 installments without interest” from the auto dealer

 

July, 2011

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