| Eligible beneficiaries |
legal entities with more than 51% private ownership |
| Unacceptable projects |
Project from the sphere of trade, public administration, obligatory social protection, households with employed members and exterritorial organizations and bodies |
| Purpose |
- Financing projects in the sphere of energetic (energy saving and sustainable energy resources), environmental protection
- Purchase or construction of fixed assets and working capital
|
| Loan terms |
minimum amount |
EUR 50,000 |
| maximum amount |
EUR 400,000 |
| repayment term |
up to 6 years, depending on the project |
| grace period |
up to 1 year |
| repayment |
quarterly repayment of the principal and interest |
| Interest rate |
6% p.a., fixed |
| Fees |
commitment fee |
0.5% of the approved and undisbursed loan amount |
| early loan repayment fee |
0.125% of the early repaid loan amount |
| one-off fees before disbursement |
- 1% paid one-off, in MKD, for fixed assets loans;
- 0.5% paid one-off, in MKD, for working capital loans
|
| Collateral |
pursuant to the Credit Policy of the Bank, the ususal collateral instruments are used (mortgage of real estate, pledge of movables, bills of exchange, etc.) |