Capital Bank | Financial Inovation
Interest-free one year loan

Use of the product:


  • The loan is a non-purpose loan and with the approval it is made available on the transaction account of the user in the Bank.


Category of clients:


  • Resident of the Republic of Macedonia;
  • Regular employment, at least another 1 year before retirement;
  • Creditworthiness;
  • History of a regular loan user;
  • The annuity should not exceed 1/2 of the salary.

Amount: up to 60.000 MKD;


Nominal interest rate: 0,00%;


Repayment period: up to 12 months;


Calculation method: proportional;


Manner of repayment: monthly repayment with equal annuities of 5.000 MKD;


Fees and compensations: one-off fee in an amount of 3.900 MKD.


Total cost rate: 13,41%.The calculation is performed for an amount of 60.000 MKD, an interest rate of 0,00%, a period of 12 months and one-off fee of 3.900 MKD (The amount of the total cost rate is affected by the period of loan repayment, the amount of the loan, the amount of costs for the loan included in the calculation of the total cost rate and the amount of the nominal interest rate.).



  • A bill of exchange with bill of exchange statements;
  • Administrative ban on salary/Statement for retention from salary from the borrower and the guarantor (if any);
  • For employees in private companies who do not receive salary in the bank, one creditworthy guarantor.

*The Bank reserves the right to request an additional guarantor.



  • Copy of the identification card of the borrower and the guarantor (if any);
  • Administrative ban on salary/Statement for retention from salary from the borrower and the guarantor (if any);
  • Salary information certified by the legal entity - for employees in private companies.




  • Complete and duly filled forms - loan application / request. All other documents indicated by the loan clerk;
  • In an event of an approval - a Loan Agreement is concluded, whereby the client signs the required documentation;
  • Processing of the application in 2 working days.


For all additional information, contact the nearest branch of Capital Bank AD Skopje or contact us on the following telephone number: +3892 3102 558; + 389 2 3102 528 or by e-mail:


Str.Nikola Kljusev no. 1, 1000 Skopje


+389 02/3102-500; +389 02/3102 510

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