CREATE A HEALTHY AND PLEASANT HOME FOR YOU AND YOUR LOVED ONES.
BENEFICIARIES:
Population with own habitat and low income
PURPOSE:
- reconstruction
- renovations and repairs
- outbuildings or extensions
- other interventions to improve living conditions
WHAT DO YOU GET FROM US !
- 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
HOUSING LOANS
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.
