FIND OUT HOW MUCH LOAN YOU CAN GET

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Wondering if you qualify for a loan and how much you can get?

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Type of loan

LOAN FOR UNEMPLOYED PERSONS WITH ADDITIONAL PERSONAL INCOME

Target group

• Unemployed persons with additional personal income

Loan amount

• Maximum amount of credit exposure per loan account is 700.000 denars* 

Repayment period

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

Interest rate

Annual fixed interest rate**

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.

Fees

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

Minimum loan criteria

• Individuals, citizens of the Republic of North Macedonia 
• The borrower gets more favorable conditions if he is 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

•Payment in cash or to a payment account
• No fee is charged for premature repayment of the loan 
• Favourable conditions during anew applying for loan

* Currency MKD – Denar loan.
* Annual, fixed interest rate. The savings house approves loans with a fixed interest rate. The fixed interest rate is unchanged for the specified loan period. Savings house FULM DOO Skopje, in accordance with the current regulations, regularly publishes the current annual rates of the total costs on the website, on the counters of the branches of the savings house and through public media (SVT) 

Request for a borrower with a net salary confirmation

Request for guarantors with a net salary confirmation

  • Пишете го градот каде што живеете
    * Штедилницата информира дека работи согласно законската регулатива за заштита на лични податоци и дека личните податоци во процесот на регистрација се собираат и обработуваат само за потребите на целосна реализација на кампањата „Провери колку можеш да земеш кредит“ и по нејзино завршување истите ќе бидат избришани и уништени согласно регулативата. Доколку го одберете полето и дадете согласност Вашите лични податоци да бидат користени за промотивни, маркетинг активности и подобрување на услугите на Штедилницата, Штедилницата ќе ги користи Вашите податоци за маркетинг цели. Имате право на: пристап и промена на вашите лични податоци; барање за престанок со обработката на вашите лични податоци; приговор во случај на злоупотреба на вашите лични податоци.
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