Financing
Your mortgage, in clear numbers
Calculate, compare and forecast your home loan in North Macedonia. Indicative bank rates, modelled in real time.
Tune your mortgage
Monthly payment
€859
300× months
Principal · €144,000Interest · €113,602
Loan amount
€144,000
Total paid
€257,602
Total interest
€113,602
Sparkasse Bank has the lowest rate that fits your profile · 5.1%
✓ Tune the price and down payment to model your target offer
✓ Enter your net income to see a realistic ceiling
✓ Compare 6 banks in a single table
Offers
Bank comparison · North Macedonia
Indicative rates from public rate cards (2026 Q1). For a binding offer, contact the lender.
| Bank | Product | Rate | Max term | Min. down | Note |
|---|---|---|---|---|---|
H Halkbank No origination fee until Jun 30 | Fixed-rate home loan | 5.40% | 30 y | 20% | Turkish-owned bank with strong Skopje presence |
K Komercijalna Banka | Residential mortgage | 5.20% | 30 y | 20% | Largest domestic bank by assets |
N NLB Banka Lowest fixed rate | NLB Home | 4.95% | 25 y | 25% | Slovenian group, sweet spot for higher incomes |
S Stopanska Banka | Stopanska Home | 5.60% | 30 y | 15% | NBG group — flexible down payment |
S Sparkasse Bank | Sparkasse Home | 5.10% | 25 y | 20% | Austrian group, premium-segment focus |
P ProCredit Bank | ProCredit Home | 5.35% | 25 y | 20% | Digital-first onboarding |
Ready? Next steps
Pre-approval
A broker matches you with a bank within 24 hours
Documents
ID, income proof, property plan
Closing
Notary work averages 21 days
This calculator provides indicative estimates only. Your actual monthly payment depends on your credit profile and the specific bank offer.