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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 MAXI INSTALLMENT AUTO BUSINESS LOAN

 

CHARACTERISTIC  OF  AUTO BUSINESS LOAN WITH MAXI INSTALLMENT FOR SMALL BUSINESS COMPANIES

Comparative advantages
  • 0% interest of Maxi installment loan amount that is 12.5% of the car value
  • Customer pays interest only on approved loan amount minus Maxi installment amount
  • Opportunity of lending for VAT up to one year, only for customers who are entitled for VAT return
  • Low interest rate
Purpose

Purchasing new cars/commercial vehicles by auto dealers Autonova 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 a right to VAT return)

 

Collateral
  • Casco insurance policy of the car/vehicle in favor of SB
  • Bill/s of exchange
Disbursement
    Autonova/Automobile SK gyro accounts
Repayment
  • Equal monthly installments (for the loan amount minus 12.5% i.e. for Maxi instalment)
  • 12.5% of the car value i.e. Maxi installment will be paid with the last auto loan installment
  • Successively up to max.1 year (for VAT)
Participation amount

Min. 10% for commercial vehicle, value equal and up to EUR 16.000

Min. 20% for commercial vehicle, value above 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 RMacedonia
  • 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 Regiser
  • 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 “Maxi installment” from the auto dealer

 

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