Capital Bank | Financial Inovation

Target group

  • Residents of the Republic of Macedonia, full-time employment;

Purpose

  • Non-purpose consumer loan;

General Terms of Application

  • Maximum age of the client is 67 years on the maturity date of the loan;
  • The client should be classified into risk category A in the Bank and risk categories A and B at the level of the banking system;
  • History of a regular borrower;
  • The annuity does not exceed ½ of the salary.

 

Loan amount: up to100.000 EURO;

 

Repayment period up to 180 months;

 

Nominal interest rate:

  • 7.00% fixed for the first year, variable for the following years 7.00% (6M SKIBOR + 5,24%) for denar loans;
  • 6.5% fixed for the first year, variable for the following years 6.50% (6M EURIBOR + 6,50%) for denar loans with exchange clause.

* If the reference interest rate EURIBOR has a negative value, the calculation of the nominal interest rate will be taken with a value of 0.00. 

 

Fee for processiong: 1.50% one time for approval min. 1000 MKD

 

Fee for early loan repayment: 1% of the amount of the prematurely repaid loan, if the early repayment occurred in a period longer than one year from the term of the Agreement, ie not more than 0.50% of the amount of the prematurely repaid loan, if the early repayment occurred in a period not longer than one year from the term of the Agreement - only if the early repayment occurs in the period for which it is fixed.

 

Use of funds: The approved amount is transferred to the account of the borrower in Kapital Bank AD Skopje

 

Manner of repayment:

Cash payment, administrative ban on salary or a permanent order for salary receivers in Kapital Bank.

Security:

  • Bill of exchange with bill of exchange statements;
  • Real estate mortgage;
  • From 0 to 3 guarantors;
  • Administrative bans from the borrower, the co-borrower and the guarantor/s;
  • The bank can also allow a co-borrower from the immediate family, who should also be a creditworthy person with documented monthly income.

Documents:

  • Copy of the identification cards of the borrower and the guarantor/s;
  • Declaration of admission for employees in private companies;
  • Administrative bans for the borrower / guarantor (if any) with certification;
  • Established mortgage of first order (Mortgage of a real estate, whereby the relation of the estimated market value of the property which will be mortgaged in regard to the approved loan should not be less than 1,5:1, depending on the quality and the location of the offered property.

 

Procedure:

  • Complete and duly filled forms – loan application / request for all other documents indicated by the loan clerk;
  • In an event of an approval, a Loan Agreement is concluded, whereby the client fills the entire remaining 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: + 389 2 3102 568; 3102 563 or by e-mail: info@capitalbank.com.mk.

Mortgage loan

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Str.Nikola Kljusev no. 1, 1000 Skopje

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


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