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MICRO HOUSING LOANS

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

Micro Agro Loans

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

Micro Business Loans

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

CREDIT CALCULATOR

експозитури

 

Microcredit Foundation HORIZONTI
Blvd. St. Kliment Ohridski 58B, ent. 2, floor 3
1000 Skopje, Macedonia
Phone: +389 (0)2 309 3681
Fax: +389 (0)2 309 3376
E-mail: kontakt@horizonti.org.mk

BRANCH OFFICES NETWORK

експозитури