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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

 


Consumer Loan

 

GENERAL CHARACTERISTICS OF CONSUMER UNSECURED LOAN VIA MERCHANTS

 

Loan purpose

The loan is approved only for purchasing products at adequate point of sale

 

Loan amount

  • 12.000 - 300.000 MKD 

 

Currency

  • MKD

 

 Interest rate  

   (Annual) 

 

  • 11,25%  variable

 In compliance with applicable regulations, SB regularly announces the Annual Percentage Rate of total costs (APR) on its website, on the bulletin boards at counters and through public media  

 

Tenor

For loan up to 30.000MKD – from 6 to 48 mounts (4 years)

For loan over  30.000MKD – from 6 to 72  mounts (6 years)

 

Disbursement 

The disbursement is conducted in Seller's transaction account with SB

 

Repayment

Equal monthly annuities (min. monthly annuity 599 MKD)

For all holders of transaction account with SB, repayment is possible by:

  • standing order or
  •  through the i-bank system of Stopanska Banka

No fees for early repayment.

 

Costs

 Administrative fees at MKD 1.000

 

 

 

Loan criteria

  • Individuals, citizens of the Republic of Macedonia
  • Minimum monthly income of 8,100 MKD for the borrower and co-borrower separately
  • Client age from 20 on application to 67 on loan repayment date
  • Co-borrowers can be immediate family members (parent, child, spouse) or persons that are not immediate family members but with the following conditions:

 - SB payroll client (at least 1 month)

 - User of at least one SB lending product with good credit history

  • Co-borrowers income and debts are 100% inlcuded in DTI calculation.

 

Required Documents 

*1.  Special-purpose costumer  loan application and agreement signed by clients (2 copies )

*2.  Copy of identity card or passport

*3.  For SB payroll/SB pension clients: only print of statement for transaction account for last three months  

      For non SB payroll clients: Pension check / Salary certificate, certificated and signed by the authorized persons at the employer (not older than 30 days), and for employers at private companies, PP53 form (summery of salaries certified at PRO) for the last 2 months

  4.  Original pro-invoice, signed and stamped by the merchant

*5. Consent for report from Macedonian Credit Bureau

*Refers to borrower and co-borrower

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