Housing loan in cooperation with construction companies


  • attractive fixed interest rate up to 2.90% for the first three 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

Fixed interest for the first three years


Repayment period

up to 30 years

Approval fee

0% promotional

Interest rate


for the first 3 years

2.90% for the first 3 years

(linked to 6 month Euribor rate)

after expiration of the fixed period

from 5.80% 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

Purpose loan for purchase of an apartment built by NASTEL, ADORA, IMPEXEL, CITY VIEW CONDOMINIUM, ZSF-KOM.

Security for the loan

  • Minimum client’s own deposit as of 15%
  • Mortgage on real estate
  • Property insurance policy vinculated in favor of the Bank


Administrative costs

MKD 600 one-time charge for consumer loan application

Approval fee

0% promotional no loan approval commission

Do you need additional information?

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