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Date: 20/08/2017

Time: 17:24:49

Type of loan

LOAN FOR UNEMPLOYED PERSONS WITH ADDITIONAL PERSONAL INCOME

download application form

Target group

• Unemployed persons with additional personal income





Loan amount

• Maximum amount of credit exposure per loan account is 400.000 MKD – denar loan

Currency

• MKD: denar loan
(Starting from 01.09.2015 all the newly approved loans, will not have currency clause protection from devaluation. All loans disbursed until 31.08.2015 have currency devaluation protection.)

Repayment period

• 12, 24, 36, 48, 60 and 72 months
• Maximum grace period of 12 months

Interest rates

Annual, variable

In compliance with the applicable regulations, FULM Savings House LLC Skopje regularly announces the current annual rates on its website, bulletin boards at teller-windows in branches and via the media.
(Annual rates of total costs)

Security

• Endorser/s, and/or verification of bill of exchange in the form of notary act and without endorser/s (depending on the granted loan amount and credit history at FULM Savings House)

Repayment

• Monthly by paying annuities (monthly installments) – for loans with repayment period from 12, 24, 36, 48, 60 and 72 months and
• Possibility for a repayment mode by which the interest is paid on monthly basis, the principal matures after the expiration of the time period approved for the loan – for loans with repayment period from 12, 24 and 36 months.

Table of sample loan amounts in MKD and repayment conditions

Term/Amount

50.000

100.000

150.000

250.000

350.000

400.000

12 months / Installment

4.425

8.849

13.274

22.124

30.974

35.411

24 months / Installment

2.336

4.672

7.008

11.681

16.353

18.689

36 months / Installment

1.642

3.285

4.928

8.214

11.500

13.143

48 months / Installment

1.298

2.597

3.895

6.492

9.088

10.387

60 months / Installment

1.094

2.186

3.280

5.467

7.653

8.747

72 months / Installment

958

1.916

2.874

4.790

6.707

7.665

* If the repayment of the assigned installments is not paid on time and in the accurate amount, the total amount of the installments will be altered.

Fees

• According to FULM Savings House pricelist on the day the contract is concluded

Minimum loan criteria

• Individuals, citizens of the Republic of Macedonia
• The user of the loan must be a member of FULM

Minimum required documents when applying for loan

Copy of valid ID card or passport of the borrower and endorser/s
Verified certificate for net salary and existing bans for net salary from the endorser/s
Certificate from the Employment agency (for the borrower)
Completely filled in loan application forms

Advantages

• Instant payment
• No fee is charged for premature repayment of the loan
• Favourable conditions during anew applying for loan

 

For further information, please visit  or call the nearest branch or desk office of FULM Savings House Skopje.

 

According to Decision of 17.12.2016

Loan calculator

Deposit calculator

Pools

If you are interested in internships in FULM Savings House, send the CV on info@fulm.com.mk

FULM SAVINGS HOUSE info@fulm.com.mk

Updated on 15/08/2017