Mortgage calculator
Estimate your monthly payment using current rates from Macedonian banks, or enter your own.
Latest mortgage rates as of October 3, 2026.
Estimated payment
Down payment
MKD 600,000
Loan amount
MKD 2,400,000
Monthly payment
MKD 10,445
Total interest
MKD 1,360,183
Total paid over the term
MKD 3,760,183
This rate is fixed for the first 5 years. After that, the rate becomes variable: 4.2 percentage points + the reference rate (НРКС).
Principal vs. interest per year
PrincipalInterest
Fixed period ends
Remaining balance
Current bank rates
As collected from each bank's website on October 3, 2026. Promotional rates change — confirm the current offer directly with the bank before relying on it.
| Bank | Product | Fixed rate | Fixed for | |
|---|---|---|---|---|
| NLB Banka | Станбен Плус кредит (5-year fix) | 3.25% | 5 years | View offer |
| NLB Banka | Станбен Плус кредит (10-year fix) | 3.7% | 10 years | View offer |
| Halkbank | Станбен кредит со животно осигурување | 3% | 2 years | View offer |
| Komercijalna Banka | Станбен кредит (promotional) | 3% | 5 years | View offer |
| Sparkasse Bank | Станбен кредит (10-year fix) | 3.4% | 10 years | View offer |