New loan program

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Type of loan
NEW LOAN PROGRAM
Target group • Employed persons with additional work and employees in budgetary and public institutions, successful commercial companies and/or legal entities , students, farmers and unemployed persons with additional personal income
Loan amount • Maximum amount of credit exposure per loan account is 400.000 MKD – denar loan*
Repayment period • 36, 48, 60, 72 and 84 months
Interest rate Annual interest rate, fixed for the first 12 months, variable for the rest of the period
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 36, 48, 60, 72 and 84 months
Fees • According to FULM Savings House pricelist on the day the contract is concluded
• Additional fee will be is charged for premature repayment of the loan, only if the loan is repaid during the first 12 months e.t. the period of fixed interest rate
Minimum loan criteria • Individuals, citizens of the Republic of Macedonia
• The user of the loan must be 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 income and existing bans for net salary from the borrower and endorser/s
• Completely filled in loan application forms
Advantages • Instant payment
• Favourable conditions during anew applying for loan

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

** Annual, variable Interest rates

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

 

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Type of loan
NEW LOAN PROGRAM
Target group • Employed persons with additional work and employees in budgetary and public institutions, successful commercial companies and/or legal entities , students, farmers and unemployed persons with additional personal income
Loan amount • Maximum amount of credit exposure per loan account is 400.000 MKD – denar loan*
Repayment period • 36, 48, 60, 72 and 84 months
Interest rate Annual interest rate, fixed for the first 12 months, variable for the rest of the period
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 36, 48, 60, 72 and 84 months
Fees • According to FULM Savings House pricelist on the day the contract is concluded
• Additional fee will be is charged for premature repayment of the loan, only if the loan is repaid during the first 12 months e.t. the period of fixed interest rate
Minimum loan criteria • Individuals, citizens of the Republic of Macedonia
• The user of the loan must be 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 income and existing bans for net salary from the borrower and endorser/s
• Completely filled in loan application forms
Advantages • Instant payment
• Favourable conditions during anew applying for loan

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

** Annual, variable Interest rates

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

 

 

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