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Up to MKD 1.500.000/EUR 25.000

Characteristics

Promotional offer:

  • Consumer unsecured loan: For all applications received from 09.07.2020

          - 5.50% fixed interest rate for the first 2 years, for loans bundled with life insurance or accident insurance

          - 100% release of administrative fee

Advantage

  • Credit approval in only 30 minutes
  • A possibility to include a life insurance and insurance against accidents and securing more favourable bank charges
  • Co-borrowers may be members of immediate family
  • Credit approval without additional inclusion of bill of exchange, guarantors or deposit
  • Gift voucher for purchase of other insurance, for all credits including insurance against accidents

Loan amount

  • minimum from 15,000 MKD / 250 EUR
  • maximum up to 1,500,000 MKD / 25.000 EUR

Currency

  • denar loan; EUR clause

Repayment period

  • Minimum 6 months
  • Maximum: 60 months for a loan up to 91,500 MKD/1.500 EUR, 84 months for a loan up to 300,000 MKD/5.000 EUR, 120 months for a loan up to 1,500,000 MKD /25.000 EUR

Method of repayment

  • Equal monthly annuities
  • An option for repayment with standing order or via i-bank channels of the bank is available for each holder of an account with SB

For credits with insurance

An insurance against accidents and credit life insurance is connected with the package for consumer loan application (client’s choice). Regarding insurance against accidents the Bank shall issue a policy from Croatia Osiguruvanje/ Non-life, as its authorised representative for non-life insurance.  Should the client request a credit life insurance, the Bank shall issue a Uniqa Life policy, as its authorized representative in the part of life insurance.

Bank charges

Interest

For denar loans

 

Amount up to 300,000 MKD

Amount up to 1,500,000 MKD

Fixed interest rate

5.50% for the first 2 years for loans with accident insurance  

5.50% for the first 2 years for loans bundled with life insurance or accident insurance 

Variable interest rate

8.55% for payroll/pensioner clients 

9.50% for other clients (non-payroll)

7.65% for payroll/pensioner clients

8.50% for other clients (non-payroll)

 For denar loans with foreign currency clause

 

Amount up to 5,000 EUR

Amount up to 25,000 EUR

Fixed interest rate

5.50% for the first 2 years for loans with accident insurance

5.50% for the first 2 years for loans bundled with life insurance or accident insurance 

Variable interest rate

6.74% for payroll/pensioner clients 

7.49% for other clients (non-payroll)

6.74% for payroll/pensioner clients 

7.49% for other clients (non-payroll)

Additional costs related with the loan application

  • Application cost in the amount of 600 MKD
  • administrative cost of 2%
  • for loans over MKD 610,000 / EUR 10.000 costs for a notary fee for solemnization
  • Cost for early settlement 0%

Loan criteria

Individuals, residents

  • Minimum salary:
  • 8100 MKD for loan up to 610,000 MKD
  • 22,000 MKD for loans in amount of 610,001 MKD up to 920.000 MKD
  • 30.000 MKD for loans in amount of 920,001 MKD up to 1.200.000 MKD
  • 40.000 MKD for loans in amount of 1.200.001 MKD up to 1.500.000 MKD. 

Requirements for loans over 610,000 MKD

  • It is compulsory to include a co-borrower provided that the salary is less than:

        - 35,000 MKD for loans up to 920.000 MKD

        - 40,000 MKD for loans up to 1.200.000 MKD

        - 45,000 MKD for loans up to 1.500.000 MKD

 

Client’s age:

  • minimum age - 20 years as of the date of submitting the application, maximum age - 67 years as of the date of full loan settlement 
  • if a co-borrower is included in the application, for clients receiving salary/pension on a SB account, the age may increase to 70 years at the date of full loan settlement 

Requirements for co-borrowers:

  • a member of the immediate family
  • other person that meets the following requirements:
    • to be a client receiving salary/pension on a SB account,
    • to be a client  with an existing loan product in SB or at any other bank and with good credit history

Documentation

For clients receiving salary/pension on a SB account:

  1. Signed application for consumer loan and consent for verification in Macedonian Credit Bureau  
  2. Copy of ID
For clients not receiving salary/pension on a SB account:
  1. transaction account statements for the last three months  
  2. Certificate of employment signed and certified not older than 30 days
  3. Birth Certificate/ Marriage Certificate  (applies for notary public only)
  4. Additional documentations required by the bank
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