Shopping consumer credit

__Shopping__ consumer credit
  • Loan calculator

    Desired amount 30.000 den.

    Number of months 12

    Interest rate

    7.26 %

    Monthly annuity

    6.342

    Total to be paid off

    107.822

    Total interest

    7.822

    TCR of 0 %.

    *The amount of TCR is influenced by the repayment time limit, amount of credit, amount of costs included in calculation of TCR, capitalized interest and amount of nominal interest rate.

  • Линкови десно

Credit designed for purchase of electronics

Shopping credit is a consumer credit without guarantors, designed for purchase of any type of electronics

  • Up to 90,000 denars Possible credit in amount of 90.000 denars without guarantors.
  • Up to 300,000 denars Possible credit in amount of 300.000 denars with 1 guarantor.
  • Flexible repayment According to your wishes and financial abilities you can pay off this credit in 12, 24, 36 or 48 months.
  • Easy application In all branch offices of Eurostandard Bank.
  • Мaestrо® - debit card Free of charge Maestro Debit card when applying for Shopping credit.

Credit characteristics

  • Maximum amount - 300.000 denars, depending on the credit worthiness;
  • Repayment time limit – 48 equal monthly annuities;
  • Interest rate: the initial interest rate amounts to 10.5% per annum. It is variable and changeable according to the changes in the referent interest rate published by www.nbrm.mk and after half a year (June 30th and December 31st) it increases by 8%, however not less than 10.5% 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 within the rate of legal default interest;
  • Fees: 1,5% one-off, for credit management, 250,00 MKD application costs.

Collateral

  • For credits up to 90.000 MKD - bill of exchange and B/E statement signed by the credit beneficiary
  • For credits larger than 90.000 MKD - bill of exchange and B/E statement signed by the credit beneficiary and 1 (one) creditworthy guarantor

Who can apply

  • Individuals – citizens of the Republic of Macedonia who collect salary at Eurostandard Bank.
  • Net salary of the credit applicant and guarantors mustn’t amount less than 10.000 denars. 

Documents needed

  • Employees of private companies to submit copies of M-1 M-2 forms and summary on the last 3 month salaries, certified by Revenue Board Office and current account of the company issued by the Central Register
  • ID copies of the credit applicant and guarantors to be included in the application.

NOTE:
  • The Bank reserves the right to ask for additional documentation in order to prove the authenticity of the submitted credit application.
  • Annuities mature the last calendar day of the month.
  • Monthly annuities can't be higher than 1/3rd  of the salary of credit beneficiary and co-credit beneficiary