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Soncogled Loan


up to 50.000 EUR / 3.000.000 MKD

Repayment period

up to 60 months

Grace period

up to 6 months

Nominal interest rate

7% annual fixed   



Management Fee

0.242% - 0.658% monthly

Other loan costs

Bill of exchange in amount of 100 – 500 MKD depending on
the loan amount
Current interest depending on the loan disbursement


1.up to 7.000 EUR / 420.000 MKD
no guarantors (SLA signed by the loan applicant) or 1 physical person with bill of exchange or 1 PP with Administrative ban or 1 PP with bill of exchange with a notary act or

1 PP with SLA

2. 7.001 – 13.500 EUR/ 420.001 – 810.000 MKD
1 physical persons with admin.ban or 2 pp with or bill of exchange with notary act or 1 pp with SLA

3. 13.501 – 30.000EUR / 810.001 – 1.800.000MKD
2 physical persons with adm.ban or 2 pp with bill of exchange with notary act or 2 pp with SLA

4. over 30.001 EUR  / 1.800.001

Real estate mortgage or pledge of movable property


USAID guarantee can be another collateral of the loan


Property sheet for the land or Lease agreement, lease agreement,  certificate from a veterinary station


adapted to the needs of the client

The Savings house Mozhnosti collabotares with the Agricultural Credit Discont Fund and approves loans by the fund's credit line  

We inform you that in case you have applied for a loan and it is approved in MKD with foreign currency (EUR), and if during the loan agreement period there Is a change of the middle exchange rate of the EUR by NBRM, the monthly installment of the loan for which you have applied or approved will be calculated by the current middle exchange rate of the EUR by NBRM on the day of the payment of the loan installment.



Loan amount

Interest rate



Management fee


Bill of exchange

7.001 ЕУР


48 months




500 MKD

The total amount the client pays according to the example is 9.016,95 EUR.

The example is based upon disbursement at the begining of the month (1-st).


Only you have to do is fill out an application form or apply by the on-line application

Savings house reserves the right to refuse the application of the applicant.
Savings house reserves the right to change the terms without prior notice. 


Savings house Mozhnosti
Moving together

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