Credits for pensioners

Credits for __pensioners__
  • Loan calculator

    Посакуван износ 60.000 ден.

    Број на месеци 12

    Каматна стапка

    7.8 %

    9.9 %

    Месечен ануитет

    6.342

    5.163

    Вкупно враќате

    107.822

    63.169

    Вкупна камата

    7.822

    3.169

    * вредности за првата година

    СВТ од 7.822 %.

    *Врз висината на СВТ влијае рокот на враќање на кредитот, износот на кредитот, износот на трошоците за кредитот што се вклучени во пресметката на СВТ, интеркаларната камата и висината на номиналната каматна стапка.

  • Линкови десно

Consumer credit designed for pensioners

If you collect your pension with Eurostandard Bank, this is a unique opportunity to apply for consumer credit without guarantors and according to your wisher and needs.

Pensioneers credit of eurostandard bank gives you an oportunity to repay the credit until you turn 73

  • Up to 600,000 denars Possible consumer non-purpose credit in amount of 600,000 denars at most;
  • Up to 73 years of age You should pay off this credit until you turn 73;
  • No guarantors No guarantors and additional collateral;
  • Maestro – debit card Free of charge maestro debit card;
  • Quick disbursement After the credit has been extended, your funds are transferred to your transaction account

Credit characteristics

  • Maximum amount - 600.000 denars, depending on the credit worthiness;
  • Repayment time limit – 95 equal monthly annuities;
  • Interest rate: the initial interest rate amounts to 11,25% per annum. It is variable and changeable and it changes according to the referent interest rate published by www.nbrm.mk and after half a year (June 30 and December 31) it increases by 8%, however not less than 11.25% per annum and not more than the legal interest rate on arrears. The adjustment of the interest rate is made twice upon every semester (half a year);
  • Default interest: as the legally proscribed interest rate:
  • Fees: up to 2% fixed, in advance, for credit management, minimum 1.000 MKD, 250,00 MKD application costs

Collateral

  • For credits up to 120.000 MKD - bill of exchange and B/E statement signed by the credit beneficiary
  • For credits exceeding 120.000 MKD – bill of exchange and B/E statement signed by the credit beneficiary and 1 (one) creditworthy guarantor

Who can apply

  • Citizens of the Republic of Macedonia who collect pension with ESB

Documents needed

  • Credit beneficiaries and guarantors for credits in Eurostandard Bank can’t apply for credit guarantors
  • Attached to the application to submit copies of identification documents of the credit applicant.