Loans requiring public notary verification of the loan agreement


Loan amount Up to 600,000.00 MKD
Interest rate
  • For Public Administration employees receiving their salary at UNIBanka – 7.90%, variable
  • For employees in the Public Administration and in joint-stock companies not receiving their salary at UNIBanka – 9.90%, variable
  • For employees in the private sector receiving their salary at UNIBanka – 10.50%, variable
Calculation method Proportional
Repayment period Up to 95 months
Manner of use of funds One-off
Repayment method To facilitate family planning of monthly expenditures, the loan is repaid in equal monthly installments.
  • Consent with direct deductions from the borrower’s salary;
  • Public Notary verification of the loan agreement;
  • At least one guarantor;
  • Borrowers or guarantors must possess real estate.
Loan approval fee
  • one-off fee of 2% of the loan approved
  • an administrative fee of MKD 600.00 for processing the loan application
Early repayment fee 0% of the early repaid principal amount

Renegotiation of terms

600.00 MKD for modification of the terms


All Macedonian citizens may apply for this loan, provided that they are:

  • creditworthy
  • employed under an indefinite duration employment contract, with their monthly income documented
  • employed under a definite duration employment contract, if the loan repayment period expires before the employment contract 
Age limit

For employed individuals, the age limit is 18 to 64 (for men) and to 62 (for women), including the loan repayment period;

Required income of borrowers

1) Minimum net income of 21,000.00 MKD, excluding any extra income;
2) The monthly deductions against loan installments are not to exceed one-half or one-third of their declared monthly income;
3) Additional income that may be documented is taken into account in the assessment of the borrowers’ creditworthiness at the Bank’s discretion

If you meet the conditions for approval of a loan application:

  • You need to completely and duly fill in the loan application forms of the Bank and present all other documents as indicated by the loan officer of the Bank.
  • You will receive a reply within 3 working days.
  • If the loan is approved, a Loan Agreement will be concluded, signed by the clients at a Public Notary office.


  • Employment contract, i.e. M1/M2 forms
  • A copy of previous employment contracts, in case of applicants employed for a definite period of time
  • Verified certificates of income for the last 6 months
  • Full-time employment confirmation letter (UNIBank Form)
  • Salary confirmation letter (UNIBank Form)
  • Consent with direct deductions from the salary (UNIBank Form)
  • Statement about the property of the borrower and the guarantor/s