Mortgage loans

Everything is going according to plan.

Basic characteristics

Currency of the loan

MKD and EUR

Repayment period

20 years

Maximum loan amount

Maximum amount of the loan is EUR 400,000 or MKD 24,600,000 for existing clients and EUR 350,000 or MKD 21,525,000 for new clients of Sparkasse Bank Makedonija.

Interest rate - mortgage loan in MKD

Fixed
 

for the first 12 months

5.50% fixed interest rate

Flexible
(linked to the B3 interest rate)

after expiration of the fixed period

from 8.00% depending on the client’s internal rating

Interest rate - mortgage loan in EUR

Fixed
 

for the first 3 years

5.50% fixed interest rate

Flexible
(linked to the B3 interest rate)

after expiration of the fixed period

from 6.45% depending on the client’s internal rating

Transfer of the salary in Sparkasse Bank Makedonija!

Persons who do not receive their salary in Sparkasse Bank Makedonija, and are willing to apply for this product, must file a statement that their salary will be transferred through the Bank within 45 as of the date of conclusion of the Loan Agreement.

Charges

Administrative costs

MKD 700

Approval fee

1,25% 0,5% if the loan is used for refinancing of a loan in another bank

Intercalary interest

yes from date of realization of the loan to its servicing

Security for the loan

  • Mortgage on real estate
  • Mandatory provision of real estate insurance policy vinculated in favor of the Bank as well as appraisal of the real estate by certified appraisals

*Renewed policy and appraisal must be compulsory provided each year to the full repayment of the loan.

Do you need additional information?

Call us with complete confidence, we will settle all your requests as soon as possible.

 

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