Tariffs for Loan Arrangements with Physical Persons

16.

CREDIT ARRANGEMENTS FOR INDIVIDUALS

16.1.

Administrative costs for reviewing and processing of placement applications 

16.1.1.

Non-purpose consumer loan

 

16.1.2.

Non-purpose consumer loan with FX clause (EUR)

5 EUR in MKD counter value, non-recurring

16.1.3.

Non-purpose consumer loan with FX clause (USD)

6 USD in MKD counter value, non-recurring

16.1.4.

Non-purpose consumer loans in MKD

Up to MKD 600 non-recurring, according to the respective product

16.1.5.

Purpose consumer loan in MKD

Up to MKD 600 non-recurring, according to the respective product

16.1.6.

Mortgage /housing / business premises loans with FX clause / MKD loans

Up to EUR 50 in MKD counter value / MKD 3.075 non-recurring, according to the respective product

16.1.7.

Framework revolving loan

Up to EUR 50 in MKD counter value, non-recurring, according to the respective product

16.1.8.

Car loan

Up to MKD 1.800, non-recurring

16.1.9.

Bank guarantee for individuals

MKD 1.230 non-recurring

16.1.10.

Overdraft

No fee

16.1.11.

Revolving credit card limit

No fee

16.2.

Loan Approval Fee

16.2.1.

Non-purpose consumer loan

Up to 2,50% non-recurring fee of the approved amount in accordance with the respective product

16.2.2.

Purpose consumer loan

Up to 2,00% non-recurring fee of the approved amount in accordance with the respective product

16.2.3.

Housing, mortgage and business premises loans

Up to 2,00% non-recurring fee of the approved amount in accordance with the respective product

16.2.4.

Car loans

1,00% non-recurring fee of the approved amount

16.2.5.

Overdraft

No fee

16.2.6.

Bank guarantee for individuals

0,20% per month on the amount of the guarantee or at least MKD 1.200

16.2.7.

Revolving credit card limit

No fee

16.3.

Reservation Fee

16.3.1.

Framework revolving loan

0,50% per year of the amount of the approved framework

16.4.

Early Loan Repayment Fee

16.4.1.

Non-purpose consumer loan

No fee

16.4.2.

Purpose consumer loan

No fee

16.4.3.

Housing, mortgage and business premises loans

No fee for early repayment from own funds;
5,00% of the prematurely repaid amount in case of refinancing with a loan from another bank

16.4.4.

Car loans

No fee

16.4.5.

Overdraft

No fee

17.

OTHER FEES

17.1.

Other fees related to the loans

17.1.1.

Warning letter fee

а

 - warning letter I

MKD 100

б

 - warning letter II

MKD 400

в

 - warning letter III

MKD 600

17.1.2.

Collateral activation fee (borrower and guarantor)

MKD 300

17.1.3.

Pledged collateral activation fee (movable and immovable property)

MKD 9.000

17.1.4.

Loan administration fee

No fee

17.1.5.

Servicing fee due to late settlement of liabilities under a loan

No fee

17.1.6.

Commitment fee

2%

17.1.7.

Application to change existing parameters of already approved consumer loan/ bank guarantee for individuals

 

MKD 600 non-recurring

17.1.8.

Application to change existing parameters of already approved overdraft

MKD 300 non-recurring

17.1.9.

Application to change existing parameters of already approved housing, mortgage, framework loan

a

 - application to change the interest rate of approved housing and mortgage loan

0,5% of the current loan balance

b

 - other applications to change existing parameters of approved housing, mortgage, framework loan

EUR 30 in denar counter value, non-recurring

17.1.10.

*Statement of consent for second ranking mortgage / Statement of partial release of collateral (mortgage)

MKD 1.500

*In case of urgent preparation of a statement, the fee shall be increased by twice the amount of the basic tariff.

17.1.11.

Appraisal of:

a

 - apartments

MKD 2.000 – MKD 3.000

b

 - individual houses

MKD 3.000 – MKD 4.500

c

 - business premises (shops, administrative premises)

MKD 4.000 – MKD 5.500

d

 - land (fields, construction land)

MKD 4.000 – MKD 5.500

e

 - business complexes

By agreement

f

 - verification of documents (calculation for future constructions)

MKD 3.500 – MKD 6.000

17.1.12.

Reappraisal for the needs of the Bank

No fee

17.1.13.

Reappraisal required on the basis of a submitted application by the client to increase the amount of the existing placement

 

MKD 1.000

17.1.14.

Assessment of the appraisal of an external appraiser

MKD 1.000

17.1.15.

Processing of appraisal documents

MKD 1.000

17.1.16.

*Fees for other certificates/statements/consents not mentioned in the tariff.

MKD 600

*Property legalization / property privatization/ extensions/ change of owner/ Transfer of property under gift deed/ Changes during construction/ Leasing property/ Sale and Purchase/ Physical division of property/ Entry into title deed etc.

**In case of urgent preparation of a certificate/consent/statement, the fee shall increase by twice the amount of the basic tariff.

17.1.17.

Fees for other certificates/statements/consents in English

MKD 1.500 (in addition to the regular tariff)

17.1.18.

Fees for reissuing consent/statement/certificate

MKD 500

17.1.19.

Administration fee in case of late payment by credit card users

MKD 60