Loan with possessory pledge (deposit, foreign currency, gold objects)

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Type of loan
LOAN WITH POSSESSORY PLEDGE
Target group • Persons with seasonal income
Loan amount • Maximum amount of credit exposure per loan account is 600.000 MKD – denar loan*
Repayment period • 6, 12, 24 and 36 months
Interest rate Annual variable interest rate**

(Annual rates of total costs)

Security • Pledge for foreign currency
• Pledge deposit in the savings house
• Pledge for gold objects
• Combination of the above-mentioned
Repayment • Interest is paid on monthly basis, and the principal matures after the expiration of the time period approved for the loan
Fees • According to FULM Sasvings 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 • Copy of valid ID card or passport of the borrower
• Completely filled in loan application forms
Advantages • Instant payment
• No endorsers
• No fee is charged for premature repayment of the loan
• Favourable conditions during anew applying for loan

*MKD: denar loan
(Starting from 01.09.2015 all the newly approved loans and annex agreements governing loans with possessory pledge, will not have currency clause protection from devaluation. All loans disbursed until 31.08.2015 have currency devaluation protection.)

Annual variable interest rate**

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)

The savings house approves loans and prolongations with a variable and / or fixed interest rate. The changeable interest rate is calculated as the sum of the last significant reference interest rate (30 June and 31 December) increased or decreased by appropriate percentage points. The interest rate will be reviewed in accordance with the semi-annual change in the reference interest rate published by the NBRM. On the day of the change in the interest rate, the savings house discloses important interest rates in the Decision. The fixed interest rate is unchanged for the stated loan period

According to Decision of 27.01.2019

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КРЕДИТ СО ВЛАДЕТЕЛСКИ ЗАЛОГ
Целна група • Лица со сезонски приходи
Износ на кредитот • од 10.000 до 600.000 МКД – денарски кредит*(1)
Рок на отплата · • 6, 12, 24 и 36 месеци (за кредит со залог депозит)
• 12, 24 и 36 месеци (за кредит со залог девизи и злато)
Потребно обезбедување • Залог девизи
• Залог депозит во штедилницата
• Залог злато
• Комбинација на гореспоменатото
• Сопствено парично побарување од правно лице (превземени)
• и/или меница со менична изјава
Каматна стапка Годишна, променлива каматна стапка* (СВТ)
Начин на плаќање • Каматата се плаќа месечно, декрузивно или антиципативно, а главницата доспева по истекот на временскиот период за кој е одобрен кредитот
Надомест • Надоместите се пресметуваат врз основа на Тарифата на Штедилница ФУЛМ на денот на склучување на Договорот
Минимум критериуми за кредитот • Физички лица, државјани на Република Македонија
• Корисникот на кредит мора да биде член во ФУЛМ
Минимум потребна документација при аплицирање за кредит • Фотокопија од важечка лична карта или важечки пасош од кредитобарателот

• Целосно пополнети обрасци за кредит

Предност • Исплата веднаш
• Без жиранти
• Не се наплаќа надомест за предвремено затворање на кредитот
• Поповолни услови при повторно аплицирање за кредит

*MKD: denar loan
(Starting from 01.09.2015 all the newly approved loans and annex agreements governing loans with possessory pledge, will not have currency clause protection from devaluation. All loans disbursed until 31.08.2015 have currency devaluation protection.)

Annual variable interest rate**

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)

The savings house approves loans and prolongations with a variable and / or fixed interest rate. The changeable interest rate is calculated as the sum of the last significant reference interest rate (30 June and 31 December) increased or decreased by appropriate percentage points. The interest rate will be reviewed in accordance with the semi-annual change in the reference interest rate published by the NBRM. On the day of the change in the interest rate, the savings house discloses important interest rates in the Decision. The fixed interest rate is unchanged for the stated loan period

According to Decision of 27.01.2019

 

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