LOAN WITH POSSESSORY PLEDGE (installments)

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Type of loan
LOAN WITH POSSESSORY PLEDGE (installments)
Target group • Employed persons with additional activity, students, farmers and unemployed persons with additional income


Loan amount • Maximum amount of credit exposure per person is 400,000 MKD – denar loan*
Repayment period • 60 months
Interest rate Annual variable interest rate**

(Annual rates of total costs)

Security • Pledge of foreign currency
• Pledge of deposit in the Savings House
• Pledge of gold objects
• own monetary claim from a legal entity (undertaken)
• and/or draft with draft statement

• Combination of the afore-mentioned items

Repayment Monthly by paying annuities (monthly installments)
Fees • Fees are calculated according to FULM Savings House pricelist on the day the Contract is concluded
Minimum loan criteria • Individuals, citizens of the Republic of Macedonia
• The borrower must be a member of FULM
Minimum required documents • Photocopy of a valid identification card or a valid passport of the borrower

• Completely filled in loan application forms

Advantages • Instant disbursement

• No guarantors
• No fee is charged for premature repayment of the loan
• More favorable conditions when applying for a loan again

   

*MKD: denar loan
(Starting from 01.09.2015, all newly approved loans will not have currency clause protection against devaluation. All loans disbursed as of 31.08.2015 have currency clause only for protection against devaluation.)

* 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 the Decision of  27.01.2019

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Type of loan
LOAN WITH POSSESSORY PLEDGE (installments)
Target group • Employed persons with additional activity, students, farmers and unemployed persons with additional income


Loan amount • Maximum amount of credit exposure per person is 400,000 MKD – denar loan*
Repayment period • 60 months
Interest rate Annual variable interest rate**

(Annual rates of total costs)

Security • Pledge of foreign currency
• Pledge of deposit in the Savings House
• Pledge of gold objects
• own monetary claim from a legal entity (undertaken)
• and/or draft with draft statement

• Combination of the afore-mentioned items

Repayment Monthly by paying annuities (monthly installments)
Fees • Fees are calculated according to FULM Savings House pricelist on the day the Contract is concluded
Minimum loan criteria • Individuals, citizens of the Republic of Macedonia
• The borrower must be a member of FULM
Minimum required documents • Photocopy of a valid identification card or a valid passport of the borrower

• Completely filled in loan application forms

Advantages • Instant disbursement

• No guarantors
• No fee is charged for premature repayment of the loan
• More favorable conditions when applying for a loan again

   

*MKD: denar loan
(Starting from 01.09.2015, all newly approved loans will not have currency clause protection against devaluation. All loans disbursed as of 31.08.2015 have currency clause only for protection against devaluation.)

* 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 the Decision of  27.01.2019

 

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