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.