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Date: 21/10/2017

Time: 06:51:03

Type of loan

ANNUAL LOAN PROGRAM DCA

download application form

Target group

• Employed persons with additional work, students, farmers and 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, except for loans approved with term of 72m

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 verified bill of exchange in the form of notary act and without endorser/s (depending on the amount of the approved loan and the loan history in FULM Savings House)

Repayment

• Monthly by paying annuities (monthly installments)

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

4.427

8.854

13.280

22.132

30.985

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

959

1.918

2.876

4.793

6.710

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
(for all categories)
Verified certificate for net income and existing bans for net salary from the borrower and endorser/s (for employed persons)
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