Tariffs for Loan Arrangements with Physical Persons

 

11.1.

Administrative costs for reviewing and processing placement applications

11.1.1.

No-purpose consumer loans

 

11.1.1.1.

No-purpose consumer loans with a foreign currency clause in EUR

5- 10.00 EUR in a denar counter value, one-off, in line with an appropriate product

11.1.1.2.

No-purpose consumer loans with a foreign currency clause in USD

from 6.00 USD in a denar counter value, one-off

11.1.1.3.

No-purpose consumer loans in denars

300.00-600.00 MKD, one-off, in line with an appropriate product

11.1.2.

Purpose-specific consumer loans

 

11.1.2.1.

Purpose-specific consumer loans with a foreign currency clause in EUR

10.00 EUR in a denar counter value, one-off

11.1.2.2.

Purpose-specific consumer loans in denars

600.00 MKD, one-off

11.1.2.3.

 Mortgage/Housing loans

 

а)

amounts of up to 20,000 EUR

15/20.00 EUR in a denar counter value, one-off

b)

amounts equal to or higher than 20,000  - 50,000 EUR

15/30.00 EUR in a denar counter value, one-off

c)

amounts equal to or higher than 50,000 EUR

15/50.00 EUR in a denar counter value, one-off

11.1.2.4.

Frame revolving loans

 

а)

amounts of up to 20,000 EUR

1.200,00 MKD /20.00 EUR in a denar counter value, one-off

b)

amounts equal to or higher than 20,000 - 50,000 EUR

30.00 EUR in a denar counter value, one-off

c)

amounts equal to or higher than 50,000 EUR

50.00 EUR in a denar counter value, one-off

11.1.2.5.

Car loans

 

а)

amounts of up to 20,000 EUR

1.200,00 MKD /20.00 EUR in a denar counter value, one-off

b)

amounts equal to or higher than 20,000 - 50,000 EUR

1.800,00 MKD /30.00 EUR in a denar counter value, one-off

11.1.2.6.

Bank guarantees for physical persons

1.230,00 MKD /20.00 EUR in a denar counter value, one-off

11.1.2.7.

Allowed account overdraft

no commission

11.1.2.8

mortgage loans – specific from a framework with a foreign currency clause (for clients receiving their salary at UNIBanka)

15.00 EUR in a denar counter value, one-off

 

11.2.

Placement approval fee

11.2.1.

No-purpose consumer loans

one-off fee of 0.75%-2.50% of the amount approved, in line with an appropriate product

11.2.2.

Purpose-specific consumer loans

2.00% of the amount approved

11.2.3.

Housing and mortgage loans

one-off fee of 1.25%-2.00% of the amount approved, in line with an appropriate product

11.2.4.

Car loans

one-off fees from 1.00% of the amount approved

11.2.5.

Allowed account overdraft

Promissory Note cost (par value price)

11.2.6.

Bank guarantees for physical persons

from 0.20% monthly of the amount of the guarantee, a minimum fee of 1,200.00 MKD / 20.00 EUR in a denar counter value

11.2.7.

Commission loans to physical persons

As agreed

 

11.3.

Placement administration fees

11.3.1.

for loans

no fee

 

11.4.

Reservation fee

11.4.1.

Frame revolving loans

from 0.50% annually of the amount of the frame approved

11.4.2.

Allowed account overdraft

no fee

 

11.5.

Early loan repayment fee

11.5.1.

No-purpose consumer loans

no fee

11.5.2.

Purpose-specific consumer loans

no fee

11.5.3.

Housing and mortgage loans

 5.00% of the early repaid amount

11.5.4.

Frame revolving loans

 5.00% of the early repaid amount

11.5.5.

Car loans

no fee

11.5.6.

Allowed account overdraft

no fee

 

11.6.

Placements servicing fees

11.6.1.

Fee for delivery of a first warning about matured and unsettled liabilities (31- 45 days delays)

no fee

11.6.2.

Fee for a second notice of due and unsettled liabilities (delays of 46 – 60 days)

300.00 mkd

11.6.3.

Fee for a third notice of due and unsettled liabilities (delays of more than 61 days)

600.00 mkd

11.6.4.

Fee for attachment of salary activation / consent for establishment of an attachment of salary of a guarantor

300.00 mkd

11.6.5.

Fee for attachment of salary reactivation / consent for establishment of an attachment of salary of a borrower/guarantor

300.00 mkd

11.6.6.

Service fee in case of irregular payment of liabilities

a monthly 2 % of the principal due for more than 30 days

11.6.7.

Promissory note activation fee

1,500.00 mkd

11.6.8.

Mortgage or collateral activation fee

 

а)

for credit exposure of up to 3,000,000.00 mkd

3,000.00 mkd

b)

for credit exposure of 3,000,001.00 – 15,000,000.00 mkd

9,000.00 mkd

c)

for credit exposure of more than 15,000,001.00 mkd

15,000.00 mkd

 

11.7.

Engagement fee

11.7.1.

for loans

2.00%

 

11.8.

Other fees

11.8.1.

Request for changes of existing parameters of an approved consumer loan

600.00 MKD, one-off

11.8.2.

Request for changes of existing parameters of an approved housing, mortgage, frame loan (other than extension of deadlines or increase of amount)

as per decision

а)

amounts of up to 20,000 EUR

 20.00 EUR in a denar counter value, one-off

b)

amounts equal to or higher than 20,000 - 50,000 EUR

30.00 EUR in a denar counter value, one-off

c)

amounts equal to or higher than 50,000 EUR

50.00 EUR in a denar counter value, one-off

11.8.3.

Request for changes of existing parameters of an approved bank guarantee for physical persons

from 1,230.00 MKD / 20.00 EUR in a denar counter value, one-off

11.8.4.

Request for changes of existing parameters of an approved account overdraft

300.00 MKD, one-off

11.8.5.

Debt balance statement

500.00 mkd 

11.8.6.

Debt settlement confirmation

300.00 mkd 

11.8.7.

Statement of consent with a subordinated mortgage

1,500.00 mkd

11.8.8.

Statement of partial release of collateral (mortgage)

500.00 mkd 

11.8.9.

Other confirmations/statements/consents not mentioned in the Tariff

300.00 mkd 

11.8.10.

Copy of a Bank-issued document

50.00 mkd per page

At its own discretion, the Bank may charge its deponents an additional amount of fee for reviewing loan applications, consultancy rendered, analyses, expertise, assessments and real costs related to the loan arrangement and assessment of security