Housing loan with fixed interest rate for the first 5 years.

  • no costs for property appraisal in the first year
  • no loan approval commission
  • free home insurance policy in the first 2 years

Basic characteristics

Maximum loan amount

Up to EUR 400,000

Repayment period

up to 30 years

Approval fee

0% promotional

Interest rate


for the first 5 years

3.25% for the first 3 years

4.40% for the 4th and 5th year

(linked to 6 month Euribor rate)

after expiration of the fixed period

from 6.15% 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 5 years.

Security for the loan

  • The client’s own deposit as of 15%
  • Mortgage on an apartment/house
  • Property insurance policy vinculated in favor of the Bank


Administrative costs

MKD 600 one-time charge for consumer loan application

Approval fee

0% promotional loan approval commission

Do you need additional information?

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