Housing loan with fixed interest rate for the first 10 years.

  • Repayment period up to 30 years
  • Own participation starting from 15%
  • Property insurance policy in cooperation with Wiener Insurance

Basic characteristics

Maximum loan amount

up to EUR 400,000

Repayment period

up to 30 years

Approval fee

MKD 2.000

Interest rate


Starting at 3.30% for the first 10 years

for customers - users of any of the service packages M, L, or Premium

Starting at 3.50% for the first 10 years

for all other customers

(linked to 6 month Euribor rate)

after expiration of the fixed period

from 4,00% 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.

Purpose of the loan

Purchase of real estate (apartment, house)

Extension/superstructure of residential space in line with submitted design and construction permit

Refinancing of a housing loan in another bank

Please use the calculator to obtain information estimate of the monthly installment for a housing loan with fixed interest rate for the first 8 years.

Security for the loan

  • The client’s own deposit as of 30%
  • Mortgage on an apartment/house
  • Property insurance policy vinculated in favor of the Bank


Administrative costs

MKD 1.100  one-time charge for consumer loan application

Approval fee

MKD 2.000  loan approval commission

Do you need additional information?

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