6.

CREDIT ARRANGEMENTS FOR LEGAL ENTITIES

 

6.1.

Administrative costs for reviewing and processing of placement applications   

6.1.1.

Amount of the loan application

Fee amount

a

 - up to MKD 1.000.000,00

Up to EUR 20 in denar counter value

b

 - from MKD 1.000.000,00 to MKD 3.000.000,00

Up to EUR 50 in denar counter value

c

 - from MKD 3.000.000,00 to MKD 6.000.000,00

Up to EUR 100 in denar counter value

d

 - from MKD 6.000.000,00 – MKD 10.000.000,00

Up to EUR 150 in denar counter value

e

 - over MKD 10.000.000,00

0,1% or max. EUR 500 in denar counter value

6.2.

Commitment Fee

6.2.1.

For loans

2,00%

6.2.2.

For overdrafts

No fee

6.3.

Credit arrangements approval fee (framework, specific agreements)

6.3.1.

For credit arrangements

Fee amount

a

 - credit arrangements with a repayment period of up to 1 year

Up to 2,00% per annum

b

 - credit arrangements with a repayment period over 1 year

Up to 2,00% per annum

6.3.2.

For overdrafts

 

a

  • - overdraft with a repayment period of up to 1 year

Up to 2,00% per annum

b

  • - overdraft with a repayment period over 1 year

Up to 2,00% per annum

6.3.3.

For loans and overdrafts over MKD 10.000.000,00

By agreement

6.3.4.

For urgent approval of placements
Approval within 1 business day or 2 business days in case of a period shorter than 6 working hours

Up to MKD 3.000 – min. MKD 300

6.4.

Administration Fee of Legal Entities Placements

6.4.1.

For loans

Up to 2,00% per annum

6.5.

Early loan repayment fee

6.5.1.

Early loan repayment fee

Up to 3% as estimated by the Bank

6.6.

Fee for reviewing and issuing bank guarantees and letters of intent

6.6.1.

Bank guarantee application reviewing fee (except for guarantees secured by deposit)

The respective tariff referred to in item 8.1.1.

6.6.2.

Issuance of bank guarantee

Fee amount

a

 - secured by cash collateral

Up to 0,20 % per month or min. MKD 1.000

b

 - secured by non-cash collateral – bid bonds

Up to 0,25 % per month or min. MKD 1.000

c

 - secured by non-cash collateral – other guarantees

Up to 0,45 % per month or min. MKD 1.000

6.6.3.

Urgent bank guarantees fee (issuance within 1 business day)

Up to MKD 3.000 - min. MKD 300 + monthly fee

6.6.4.

Change in the terms of the bank guarantee – without increasing the amount or extending the period

Up to MKD 1.500

6.6.5.

Increase of the amount or extension of the period

Respective tariff referred to in item 8.6.2.

6.6.6.

Non-recurring fee for issuing a letter of intent by indicating the amount in the text

MKD 3.000

6.6.7.

Non-recurring fee for issuing a bank reference

MKD 1.500

6.6.8

Bank guarantee protest fee

MKD 3.000

6.6.9.

Fee for issuing a letter of intent/bank reference in English

MKD 1.500
(in addition to the regular tariff)

6.7.

Fee for discounting, guarantee of a bill, acceptance of securities

6.7.1.

Check discounting fee

Up to 2,00%

6.7.2.

Guarantee of a bill and acceptance of securities fee

By agreement

6.8.

Servicing fee of legal entities placements

6.8.1.

Fee for delivery of first warning letter for overdue payments  (default of 20 to 60 days)

MKD 500

6.8.2

Fee for delivery of second warning letter for overdue payments  (default of 61 to 90 days)

MKD 1.000

6.8.3.

Fee for delivery of third warning letter for overdue payments fee (default over 91 days)

MKD 1.500

6.8.4.

Debt balance notice fee

MKD 1.500

а

  • Debt balance urgent notice fee (within 1 business day or within two business days in case of a period shorter than 6 working hours)

MKD 3.000

6.8.5.

Issuance fee for ledger accounts per credit sub-account

MKD 500

а

  • Urgent issuance fee for ledger accounts per credit sub-account (within one business day or within two business days if the period is shorter than 6 working hours)

MKD 1.000

6.8.6.

Servicing fee due to late settlement of liabilities under a MKD loan

0%

6.8.7.

Servicing fee due to late settlement of liabilities under a FX loan or MKD loan with FX clause

0%

6.8.8.

Servicing fee due to late settlement of liabilities under a business payment card

MKD 100

6.8.9.

Fee for issuing a certificate of settled debt

MKD 500

а

  • Fee for urgent issuance of a certificate of settled debt (within one business day or within two business days if the period is shorter than 6 working hours)

MKD 1.000

6.8.10.

Bill of exchange activation fee

MKD 1.500

6.8.11.

Mortgage or pledge activation fee

 

а

 - for credit exposure up to MKD 3.000.000,00

MKD 3.000

б

 - for credit exposure from MKD 3.000.001,00 to MKD 15.000.000,00

MKD 9.000

в

 - for credit exposure over MKD 15.000.001,00

MKD 15.000

6.8.12

Fee for issuing a statement of consent for second ranking mortgage

MKD 1.500

6.8.13

Guarantor salary attachment activation fee

MKD 500

6.8.14

Guarantor salary attachment re-activation fee

MKD 500

6.8.15

Guarantor salary attachment deactivation fee

MKD 500

6.8.16

Consent/statement/certificate reissuance ban

MKD 500

6.9.

Other fees

6.9.1.

Activated salary attachment fee /Guarantor’s salary attachment consent

MKD 100,00

6.9.2.

Fee for producing copies of documents by the Bank

MKD 50 per page

6.9.3.

Certificates at the client’s request

a

  • Loan balance certificate and Loan Closure Letter

MKD 400

b

  • Other* certificates (statements/consents)

MKD 600

* Property legalization / Property privatization/ Extensions/ Change of owner/ Transfer of property under gift deed/ Changes during construction/ Leasing property/ Sale and Purchase/ Physical division of property/ Entry into title deed.

The certificate/consent/statement urgent preparation fee shall increase by twice the amount of the basic tariff.

6.9.4.

Fee for issuance of other certificates/statements/consents and references in English

MKD 1.500
(in addition to the regular tariff)

6.10.

Real estate value appraisal fee for the purpose of reviewing a loan application

6.10.1.

Appraisal of:

 

a

  - apartments

MKD 2.000 – MKD 3.000

b

 - individual houses

MKD 3.000 – MKD 4.500

c

 - business premises (shops, administrative premises)

MKD 4.000 – MKD 5.500

d

 - land (fields, construction land)

MKD 4.000 – MKD 5.500

e

  • - business complexes

By agreement

f

 - verification of documents (calculation for future constructions)

MKD 3.500 – MKD 6.000

6.10.2.

Reappraisal

MKD 1.000

6.10.3.

Assessment of the appraisal of an external appraiser

MKD 1.000

6.10.4.

Processing of appraisal documents (for movable goods)

MKD 1.000

The Bank may, at its own discretion, collect an additional amount of commission from the clients for reviewing a placement application, for consultations, analyzes, expert opinions, appraisals and real costs associated with the credit arrangement and the collateral assessment.