Skopje, 6 th (MIA) – Demand for the “Pick a house Pick an apartment” Project notably improved following the Reasonable because of it Enterprise, which was kept during the time 24 th Oct – twenty-eight th Oct. It define your procedure of submission application is effortless, also it has around three procedures.
Bank gathers such data regarding applicant and you may confirms whether or not the guy/she actually is qualified to receive obtaining the financing, and after they ahead brand new respective files towards Ministry from Funds, Bilbilovska told you
– We can give an explanation for procedure of submitting app for the “Purchase a home Pick a flat” Venture, into the about three tips and if you are aware, might realize it is actually an easy process. First faltering step is looking a condo otherwise home or much to possess home. Another step is actually dealing with among the 8 financial institutions playing on the Endeavor and you can submit the necessary records, once the step three is one of the Ministry away from Funds, one as being the getting together with out-of decision to have granting new subsidy, following this new applicant signs financing contract towards respective lender, Ivana Bilbilovska, Spokesperson of Ministry out of Loans, said.
Immediately following receiving new documents on the Lender, the fresh Ministry’s Commission examines them and you can has reached decisionmission informs the financial institution which approved the brand new subsidy, then the financial institution comes to an end Loan Arrangement towards the borrowing from the bank applicant
As for the first faltering step, Bilbilovska teaches you the requisite is actually for the newest apartment and/or household to be another strengthening and also for the speed not to help you go beyond EUR 900 for every single square meter. Individual entry app americash loans Madrid with the “Buy a home Pick a flat” Endeavor should stop Original Contract to your contractor or if perhaps the guy/she builds a house, he/she ought to provide build and technology documents.
– Next step is for the newest citizen to address among the seven banking institutions, within the “Get a property Pick an apartment” Enterprise, we.e. Stopanska banka – Skopje, Stopanska banka – Bitola, Ohridska banka, Alfa, TTK, NLB Tutunska, Sparkase and you will Prokredit banka. Together with the Original Arrangement for an apartment otherwise a house, the fresh people is always to yield to the bank their/their own ID, full-date a position certification, certification the past half dozen repaid salaries and you may declaration, verified by notary societal, you to within the very first 5 years of installment several months, might neither sell the brand new apartment or even the domestic, neither rent or put them below second mortgage.
Third step was reaching choice because of the Ministry off Finance. The Payment from inside the Ministry off Loans matches at least once inside the forty five days, and, if necessary, more than once.
– If you do not get own house and/or domestic where you real time was too tiny for you personally and also you want it a more impressive you to assuming you decide to just take a houses financing, than simply “Buy a house Purchase an apartment” Venture, is truly a high probability thus. Finance supplied because of the Ministry away from Finance can be found in a questionnaire away from a great subsidies that reach up to EUR fourteen,000, while the interest is truly reduced and you will numbers to three.95% in the 1st 3 years and you will 4.44% from the 4th and you may 5th year for the design: fees when buying a condo otherwise subsidizing 75% of installment when selecting/developing a house, otherwise fixed when you look at the installment period, accounting to have 4.5% and six-times EURIBOR, for the design: equal (50%/50%) involvement when buying a flat otherwise subsidizing 75% of contribution when buying/building a property, Spokesperson of one’s Ministry from Funds Ivana Bilbilovska, said.