MICRO HOUSING LOANS

CREATE A HEALTHY AND PLEASANT HOME FOR YOU AND YOUR LOVED ONES.

Population with own habitat and low income

Free building council of an expert for proper use of funds
Recommendations for priority interventions depending on the actual condition of the facility
Information on how to use the services of the partner organization HABITAT – Macedonia

HOME

Target Groups	Population with own habitat and substandard living conditions For renovation, extensions, repairs, reconstruction, etc.
Purpose	За реновирање, доградба, поправки, реконструкција и сл.
Criteria	Fulfills the substandard requirements of Habitat Fulfills the creditworthiness requirements according to the financial analysis of the household
Amount	50,000 – 300,000 MKD
Repayment period	18, 24, 36, 48 and 60 months
Grace period	None
Interest	200 denars
Administration fee	11.00% annually, declining RTE from 21.62% to 23.82%
Monthly management fee	0.34% monthly
Security	Guarantors – administrative ban on salary, with full-time employment Bill of exchange by notary public act, with at least two external guarantors
Other charges	1% charge for early repayment of the loan

DOMUS

Target Groups	Population with own habitat and low income For renovation, extensions, repairs, reconstruction, etc.
Purpose	За реновирање, доградба, поправки, реконструкција и сл.
Criteria	Monthly family income (up to 5 members) should not exceed 53,000 MKD Fulfills creditworthiness requirements according to the financial analysis of the household
Amount	100,000 – 300,000 MKD
Repayment period	24, 36, 48 and 60 months
Grace period	None
Interest	11.00% annually, declining RTE from 20.14% до 23.52%
Administration fee	2-3% depending on the loan amount
Monthly management fee	0.34% monthly
Security	Guarantors – administrative ban on salary, with full-time employment Bill of exchange by notary public act, with one or two guarantors
Other charges	0 or 3.0% charge for early repayment of the loan

INSTANT

Target Groups	Owners of micro and small businesses in the area of commerce, services and retail production Individual agricultural producers Population with own habitat and substandard living conditions
Purpose	Heating material and winter supplies Home appliances Furniture and furnishings Minor home repairs Education costs (field trips, tuitions, computers, student accommodation) Covering debts for utilities and taxes Surcharge for flats and land purchase
Criteria	Monthly family income (up to 5 members) should not exceed 53,000 MKD Fulfills creditworthiness requirements according to the financial analysis of the household
Amount	30,000 – 60,000 MKD
Repayment period	6 – 18 months
Grace period	None
Interest	The interest rate for all individual loans expressed in denars is fixed at 11.00% on an annual basis calculated according to the proportional method
Administration fee	3.0%
Monthly management fee	0.73%
Security	Standard bill of exchange Bill of exchange by notary public act Guarantors – administrative ban on salary, with full-time employment
Other charges	1% charge for early repayment of the loan

Invest in greater and better quality production and provide a decent life for your loved ones.

Open new horizons, invest in your business and fulfill your ideas.