S Plus – Consumer loan with life insurance

  • up to MKD 1.500.000
  • repayment period up to 10 years
  • with a life insurance policy from Wiener Life included

Basic characteristics

Fixed interest rate for thewhole period

5.00%

Maximum amount

up to MKD 1 500 000

Security

up to 300 000 without guarantor

Interest rate

Fixed
 

for the first 24 months

from 5,00%

Flexible
(linked to the B3 interest rate)

after expiration of the fixed period

from 6,00%

Please use the calculator to obtain information estimate of the monthly installment for Risk Free consumer loan.

Security for the loan

Up to MKD 300,000 - without a guarantor

From MKD 300,001 to MKD 610,000 – 1 (one) creditworthy guarantor or notarized Loan Agreement

Mandatory additional security is the borrower’s life insurance policy purchased through the Bank and vinculated in favor of the Bank during the repayment period of the consumer loan.

Over 610 000 MKD - the insurance is in the form of a creditworthy guarantor with an administrative ban from the guarantor's salary or a Bill of exchange regulated in the form of a Notary deed and an administrative ban from the loan beneficiary's salary.

Additional mandatory collateral regardless of the loan amount is a life insurance policy with monthly repayment of the borrower's premium purchased through the Bank and valued in favor of the Bank during the repayment of the consumer loan. The policy for securing the loan is purchased through Sparkasse Bank Makedonija AD Skopje, which provides insurance representation for WINER LIFE - Vienna Insurance Group AD Skopje.

*For notarization of the Agreement it is necessary that the spouse or close relative (brother, sister or parent) appear as co-debtor in the Loan Agreement.

Charges

Administrative costs

MKD 1.000 one-time charge for consumer loan application

Approval fee

MKD 1.000 one-time charge for consumer loan application

Префрлување на платата во Шпаркасе Банка Македонија"!

За лица кои не ја примаат платата во Шпаркасе Банка Македонија", а сакаат да аплицираат за овој производ мора да достават изјава дека платата ќе ја префрлат преку Банката во рок од 45 дена од датумот на склучување на договорот за кредит.