Individuals
Halkbank
Amount: up to 300.000 MKD. Maximum term: up to 95 months. Grace period: up to 3 months. Interest rate: fixed 5.5 pp (6.18 % APR). Upfront fee: 1.75% from the amount. Loan costs: costs for checking in Macedonian Credit Bureau: 350 MKD (the fee is paid before the payment of the loan and is not paid for declined or cancelled requests). 150 MKD loan application. Credit worthiness: half of the total monthly incomes for employees and one-third of the monthly income for pensioners. Earmarked use of funds according to pro-invoice/invoice. Collateral: loan agreement.
Eco loan is intended for individuals who want to increase the energy efficiency of their home by financing economically efficient products and projects, as well as using renewable energy sources (installation of solar panels) and supplying better thermal insulation at home (energy-efficient façade, windows and doors, installation of efficient heating systems). In this way, they will reduce energy consumption and associated costs, while at the same time contributing to the protection of the environment.
The loan is also available for pensioners.
Community Tailored Actions for Energy Poverty Mitigation in the CEE and CIS region
This project has received funding from the European Union’s Horizon 2020 research and innovation programme under grant agreement No #892054.
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