Amount to 600.000 MKD
period to 84 months
interest rate 14,30%, variable for the rest of the period
expenses:
- Closing loans in banks and savings banks 5% of the loan amount – minimum 1000 MKD
- Closing loans in financial companies 20% of the loan amount – minimum 2000 MKD
- application 1500 MKD
- Checking device MKB 1000 MKD
- manipulative 3% of the loan amount
- Fee for the management of credit 0,99% per month
- Visa card issuance/renewal/replenishment fee 2000 MKD
Interkalarna dagger: From the date of disbursement to date of calculation of the first installment in the amount of the nominal interest rate.
Annual rate of total costs (SVT) – 37,02% for a loan of 600.000 MKD and repayment 84 months.
* On the amount of PRTC affect the repayment period of the loan, loan amount, amount of loan costs included in the calculation of RTE and the amount of the nominal interest rate.
Loan reduced by the amount of costs, commitment fee, etc. are used with: 
– payment in cash in the treasury FD
– transferring funds to the account of the borrower
– otherwise at the discretion of the borrower.
The borrower is obliged to conclude a loan agreement with PD and it will be repaid by
determined conditions.
Loan repayment: Credit be repaid in equal monthly installments. Annuity contains principal part of interest.
The first installment due under the amortization schedule or under contract.
FD determine creditworthiness of the borrower.
In the creditworthiness of the borrower can include documentation for extraordinary income.
FD in the process of processing the loan application despite the determined advance documentation reserves the right to require additional documentation and determine other creditability.
FD in the process of processing the loan application despite the determined advance documentation reserves the right to require additional documentation and determine other creditability.
TOOLS as loan collateral
- guarantors
- bill of exchange issued and accepted by the borrower in the form of a notarial deed with enforcement clause
OTHER cONDITIONS
All costs related to approval, use and repayment of the loan, and notary services bear the borrower.
FD reserves the right to decide at its discretion differently in determining the creditworthiness and collateral.
For early repayment of the loan FD not calculated and collected a fee of early repaid part.
For employees in private firms need to submit the following documents:
– Rekapitulari last 3 three months
– M1 / M2 Sample
– Terminal Current from the Central Registry (not older than 6 six months)
– Extract from bank account (the last 6 months)
– Memorandum of company (basic data on the company) – certified
General documents
Application for registration of individual applicant
(Certified Administrative ban, three copies of applicant)
Declaration of family and financial situation(K)
CONSENT-personal-data-Creditor
Certificates of total debt
guarantors
Application for registration of individual guarantor for
Administrative ban for endorser
(Certified Administrative ban, three copies of guarantor)
Declaration of family and financial situation
VISA БС Картичка - > > 0 % interest for each of you!