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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

 


 

 

SBB overdraft

 

CHARACTERISTICS OF THE PRODUCT OVERDRAFT ON TRANSACTION ACCOUNT
Purpose
  • Liquidity support
  • Refinancing
Amount

Secured: up to EUR 50.000 (in MKD counter value)
Unsecured:   

-  For existing customers of the Bank: up to EUR 10,000 (in MKD counter value)

-  For new customers: up to  EUR 7,000 (in MKD counter value)

Currency

MKD

Regular interst rates
Up to 10.00% p.a., variable
Tenor

From 1 to 10 years, with annual review

Repayment The interest is paid monthly
Application costs MKD 1,000 
Management fee

 

  • Secured: 0.25% annually (in advance)
  • Unsecured: 0.50% annually (in advance), min MKD 500 for the following years
  • Without fee for refinancing

 

Credit criteria
  • Legal entities registered with official turnover up to EUR 400.000 in the last year
  • Profitable company
  • Creditworthiness of the company analysed by credit officer of the Bank
Collateral
  • Bill of exchange without Notary act (up to EUR 5,000)
  • Bill of exchange with Notary Act (up to EUR 10,000)
  • Real estate and bill of exchange with Notary Act (up to 50,000)
Required documentation for application   
  • Application form
  • Original registration document and authorized signature from the Central Register
  • Official financial statements for the last 3 years
  • Official financial statements for the last 3 years
  • Interim financial statements
  • Valid documents for appraisal (if it is needed)

 

Unsecured:  up to EUR 50,000 (in MKD counter value)
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