List of loans

TYPE OF LOAN

LOAN AMOUNT

(MKD)

REPAYMENT PERIOD

Students for student Up to 150.000 MKD 24, 36 and 48 months
WT loan Up to 150.000 MKD 12, 24, 36 and 48 months
NEW LOAN PROGRAM Up to 400.000 MKD 36, 48, 60, 72 and 84 months
Loan with possessory pledge (deposit, foreign currency, gold objects) Up to 600.000 MKD

6, 12, 24 and 36 months (for loan with deposit pledge)

12, 24 and 36 months (for loan with pledge for foreign currency and gold objects)

Loan for employed persons with/without additional income Up to 400.000 MKD

12, 24, 36, 48, 60 and 72 months

Maximum grace period 12 months

Loans for unemployed persons with additional personal income Up to 400.000 MKD

12, 24, 36, 48, 60 and 72 months

Maximum grace period 12 months

Student loan Up to 400.000 MKD

12, 24, 36, 48, 60 and 72 months

Maximum grace period 12 months

Loan for pensioners Up to 300.000 MKD

12, 24, 36 and 48 months

Maximum grace period 12 months

Loan for farmers Up to 400.000 MKD

12, 24, 36, 48, 60 and 72 months

Maximum grace period 12 months

Loans for individuals who are not members of AC FULM Up to 150.000 MKD

12, 24, 36, 48, 60 and 72 months

Fees are calculated according to FULM Saving House pricelist on the day the contract is concluded.

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.
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