Capital Bank | Financial Inovation

Target group

  • All residents of the Republic of Macedonia who are in full-time employment in the current legal entity over 6 months;
  • All residents of the Republic of Macedonia who have regular income from pension;
  • Freelancer.

 

Advantages of the product:

  • Interest rate of 5.00% for the first year;
  • 0 MKD administrative costs for applying;
  • Up to 450 000 MKD only with a bill of exchange and bill of exchange statement;
  • Possibility of online application or in the bank's branches.
  • Answer up to 30 minutes;
  • Possibility of refinancing your debts;
  • Without transfer of the salary or life insurance policy in Capital Banka AD Skopje.

Loan amount in MKD: up to 900,000;

 


Repayment period: up to 95 months;

 

Nominal interest rate:

1.For recipients in the Bank of Kapital
5,00% fixed for the first year, then variable, currently at 8,96% (6M SKIBOR + 7,20%);
2.For recipients in other banks
5,50% fixed for the first year, then variable, currently at 8.96% (6M SKIBOR + 7,20%).

 

Fee for approval: 1,77%,min. 750 MKD;

 

Possibility for early repayment: yes;

 

Fee for early partial or full loan repayment: 1% of prematurely paid loan appears if the period between the prematurely payment and the validity of the loan contract exceeds one year, that is 0.50% of the amount of prematurely paid loan, if the period between the prematurely payment and the validity of the loan contract does not exceed one year, maximum MKD 5.000 and 0% if it is being paid through Capital Bank.;

 

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

 

Repayment: monthly repayment with equal annuities.

TCR: 8.80% - The calculation is made for amount of MKD 900,000, the interest rate is 5,00% fixed for the first year, then variable, currently it stands at 8,96%, period 95 months and one-off fee 1,77% of the amount.
TCR: 8.88% -The calculation is made for the amount of 900.000 MKD, interest rate is 5.50% fixed for the first year, then variable, currently it stands at 8.96%, period 95 months and one-time fee 1.77% of the amount.

Security:

Acceptable security after the Bank's credit analysis:

  • bill of exchange and bill of exchange statement
  • bill of exchange in the form of a notarial act with a capacity of execution;
  • guarantor and
  • solemnization of the loan agreement with an executive clause.

* The Bank reserves the right to request additional security.

Documentation:

  • Copy of the ID card of the loan applicant and the guarantor;
  • ZPPOP form;
  • Administrative ban on salary or standing order for legal entities that do not certify salary bans (mandatory conditional payment in Kapital Bank);
  • Declaration of admission and paid contributions in the last 2 months for private sector employees;
  • Tax return from the PRO for Freelancer;
  • An extract from a transactional account for the last three months, and a pension card issued by the bank where the pensioner receives pension (for pensioners). 

Procedure:

  • Complete and duly filled application forms / loan application;
  • Initial response within 30 minutes;
  • In an event of an approval, a Loan Agreement is concluded, whereby the client fills the entire remaining documentation;

For all additional information, contact the nearest branch of Capital Bank AD Skopje or contact us on the following telephone number: + 389 2 3102 510; 3102 563 or by e-mail: info@capitalbank.com.mk .


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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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