S Plus – Consumer loan with life insurance

  • fixed interest rate of 4,8% for first 2 years
  • up to MKD 1.500.000
  • repayment period up to 120 months
  • with a life insurance policy from Wiener Life included
  • No administrative costs up to 31.12.2022
  • Overdraft and credit card without application commission and no maintenance fee in the first year

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Basic characteristics

Fixed interest rate for thewhole period

starting at 4,8%

Maximum amount

up to MKD 1 500 000

Security

up to MKD 610 000 without guarantor

Interest rate

Fixed
 

for the first 2 years

starting at 4,8%

Flexible
(linked to 6 month Euribor rate)

after expiration of the fixed period

from 6,3%

Please use the calculator to obtain information estimate of the monthly installment for S plus consumer loan.

Credit calculator

Security for the loan

Up to 610 000 MKD - without a guarantor, with an administrative ban from the user's salary

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 from WINER LIFE - Vienna Insurance Group AD Skopje

Charges

Administrative costs

MKD 600 one-time charge for consumer loan application

Commission for using data from MCB

MKD 400 one-time charge for consumer loan application

Transfer of the salary in Sparkasse Bank AD Skopje!

Persons who do not receive their salary in Sparkasse Bank AD Skopje, 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.