Annual Rate of Total Expenses (APR)

Starting from 01.01.2008, Savings Bank FULM D.O.O Skopje will calculate the Annual Rate of Total Expenses (APR), in accordance with the Decision of the NBRNM on the methodology for calculating the Annual Rate of Total Expenses

TOTAL COST RATE FOR OWNERSHIP LOANS
CURRENCY  MKD
NOMINAL INTEREST RATE  7,00%
REPAYMENT PERIOD (IN MONTHS)  from 12m.
ANNUAL RATE OF TOTAL COSTS  from 17.52%
 

TOTAL COST RATE FOR EMPLOYEE LOANS
WITH/WITHOUT ADDITIONAL INCOME
CURRENCY  MKD
NOMINAL INTEREST RATE  7,00%
REPAYMENT PERIOD (IN MONTHS)  from 12m.
ANNUAL RATE OF TOTAL COSTS from 19.99%
 

TOTAL COST RATE FOR FARMERS LOANS
CURRENCY  MKD
NOMINAL INTEREST RATE 7,00%
REPAYMENT PERIOD (IN MONTHS)  from 12m.
ANNUAL RATE OF TOTAL COSTS from 23.84%
 

STUDENT LOAN COST RATE
CURRENCY  MKD
NOMINAL INTEREST RATE  7,00%
REPAYMENT PERIOD (IN MONTHS)  from 12m.
ANNUAL RATE OF TOTAL COSTS from 23.84%
 

TOTAL COST RATE FOR LOANS FOR PENSIONERS
CURRENCY  MKD
NOMINAL INTEREST RATE 7,00%
REPAYMENT PERIOD (IN MONTHS)  from 12m.
ANNUAL RATE OF TOTAL COSTS from 16.99%
 

TOTAL COST RATE FOR LOANS FOR THE UNEMPLOYED
WITH ADDITIONAL INCOME
CURRENCY  MKD
NOMINAL INTEREST RATE 7,00%
REPAYMENT PERIOD (IN MONTHS)  from 12m.
ANNUAL RATE OF TOTAL COSTS from 23.84%
 

DCA ANNUAL LOAN PROGRAM TOTAL COST RATE
CURRENCY  MKD
NOMINAL INTEREST RATE 7,00%
REPAYMENT PERIOD (IN MONTHS)  from 12m.
ANNUAL RATE OF TOTAL COSTS from 22.53%
 

TOTAL COST RATE FOR EASY – BUSY ANNUAL LOAN PROGRAM
CURRENCY  MKD
NOMINAL INTEREST RATE  5,00 %
REPAYMENT PERIOD (IN MONTHS)  from 24m.
ANNUAL RATE OF TOTAL COSTS from 14.46%
 

last change 03.01.2023.