Site Map   мк   en

   Home    Contacts    NBG Group

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

 


 

 

Investment loan

 

CHARACTERISTIC OF INVESTMENT LOAN FOR SMALL BUSINESS COMPANIES
Comparative  advantages
  • Simple procedure and competitive conditions
  • Repayment period adaptable to your business
Purpose
  • Real estate investment
  • Purchase on new/used transport vehicles and equipment
  • Refinancing
Amount

Up to EUR 200,000

Currency

MKD / EUR

Annual Interest rate
  • EUR: up to 9%
  • MKD: up to 11%
Tenor

Up to 10 years

Grace period Up to 1 year
Disbursement

To the suplier / seller gyro account

Repayment

Monthly or quarterly  annuities

Monthly installments

Expenses
  • 1,000 MKD application fee once off (upfront)
  • 1% management fee (in advance) for the first year and 0.5% yearly for the next years               N/A for refinancing for the first year
  • 5,000 MKD appraisal  fee (only for the first appraisal)
  • 2% early closing fee
Collateral
  • Property
  • Deposit
  • Bill of exchange
Loan / collateral ratio depends on the solvency of the company and the location of the property
Credit criteria
  • Legal entities registered in R Macedonia
  • Profitable company 
  • Creditworthiness  of the company analysed by credit officer of the Bank 
Required Documentation  for Application
  • Application for Investment loan
  • Original registration document and authorised signature from Central Register
  • Official financial statements for the last 3 years
  • Interim financial statements
  • Valid documents for appraisal
  • Documentation in accordance with the purpose of the loan
Print