G A A R N C I I
export: According to the needs and creditworthiness of the applicant, and by decision of the Credit Board
Repayment – According to the decision of the Credit Board.
Type of warranty to secure payment
– Guarantee for payment (payment guarantee)
– Bid security (tender guarantee)
– Performance guarantee of things (Performance guarantees)
– Bid security (tender guarantee)
– Performance guarantee of things (Performance guarantees)
application costs – from 3.500 to 10.000 day.
Fee – from 0,3% up to 1% per month of the guarantee amount or minimum 1.500 mKD, single.
According to the decision of the Credit Board, the commission can be charged monthly or once in advance for the entire period.
Modification of warranty conditions (except change within) — 0,2% the amount or minimum 2.000 day.
Request for collection of guaranteed amount (protest warranty) — 0,2% the amount or minimum 2.000 day.
Fee for check-in ICD — 2.500mkd for natural persons and 3.000 mkd for legal entities
POPULATION LENDING
| 1 | Application costs |
from 0 to 3.000 MKD (according to the type of credit product) |
| 2 | One-time handling cost when approving a loan |
from 0% to 4% of the approved amount (according to the type of credit product) |
| 3 | Fee for the management of credit |
from 0% to 0,99% per month (according to the type of credit product) |
| 4 | Fee for check-in ICD | – 2.000 denars for natural persons (every natural person involved in the loan is obliged to 2.000 day.) |
| 5 | Cash payment commission | 10% – минимум 2000 MKD |
| 6 |
Written warning for unpaid overdue obligations (consumer loans, loans secured by a pledge: mortgage, a car, gold, deposit) |
1-I warn you – No compensation 2-Warning – No compensation 3-th warning – No compensation 4-th warning – No compensation |
| 7 | Written notice to guarantors | No compensation |
| 8 | Administrative fee for late notification SMS (individually for each participant in the loan) | No compensation |
| 9 |
Written warning before forced collection (consumer loans, loans secured by a pledge: mortgage, a car, gold, deposit) |
No compensation |
| 10 | Premature partial repayment of the loan | No compensation |
| 11 | Administrative fee for monitoring and managing overdue loans |
32 days – 2.000 MKD 62 days – 3.000 MKD 92 days – 4.500 MKD 122 days – 6.000 MKD over 122 days – 6.000 MKD |
| 12 | Administrative fee for monitoring and management of overdue loans for each other participant/s in the loan (guarantors) |
1.000 MKD
|
| 13 | Daily late payment fee | 0.5% from a due debt |
| 14 | Express credit processing (payment from application instantly) | 2% of approved amount |
| 15 | Early full repayment of QUICK LOAN30 | 0,5% from the amount of the missing principal |
| 16 | Refinancing of regular credit exposures in the Financial Company | No compensation |
| 17 | Early full repayment of consumer loans, loans with pledge deposit and cash collateral | No compensation |
| 18 | Premature full repayment of loans secured by a pledge: mortgage, a car, gold | 5% from the amount of the missing principal |
| 19 | Re-evaluation of a mortgage loan | 2.000 MKD |
| 20 | Various certificates | 1.500 MKD |
| 21 | Notification of total obligations per loan for consumer loans, loans with a pledge deposit, cash collateral and online loans (with a certificate) | 1.500 MKD |
| 22 | Notification of total liabilities for loans secured by a pledge: mortgage, a car, gold | 1.500 MKD |
| 23 | Drafting a transcript, copy or issuance of various certificates (except IOS and depreciation plans) of consumer credit clients, loan with pledge deposit and cash collateral | 1.500 MKD |
| 24 | Drafting a transcript, copy or issuance of various confirmations to clients for loans secured by a pledge: mortgage, a car, gold | 1.500 MKD |
| 25 | Annual membership fee | 1.200 MKD |
| 26 | Costs for closing loans in other savings banks | 10% од износот на кредитот – минимум 3.000 MKD |
| 27 | Costs for closing loans in financial companies | 25% од износот на кредитот – минимум 5.000 MKD |
| 28 | Costs to close out doubtful exposures | 30% of the exposure amount- minimum 5.000 MKD |
| 29 | Fee for check-in ICD(online applications) | 500 MKD |
| 30 | SMS notification for untimely performance of credit obligations(online loans: fast credit with grace and fast credit) | No compensation |
| 31 |
Written warning for unpaid overdue obligations (online loans: fast credit with grace and fast credit) |
No compensation |
| 32 | Administrative fee for monitoring and managing overdue loans |
10 days – 2.000 MKD 20 days – 3.000 MKD 30 days – 4.500 MKD 63 days – 6.000 MKD 93 days – 6.000 MKD 123 days – 6.000 MKD |
| 33 | Written notification before termination of the Credit Agreement (online loans: fast credit with grace and fast credit) | No compensation |
| 34 |
Written warning before forced collection (online loans: fast credit with grace and fast credit) |
No compensation |
|
THE INTEREST |
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| 1 | Penalty interest for natural persons | 13,35% on an annual basis |
| 2 | Penal interest for legal entities | 15.35% on an annual basis |
| 3 | Contractual penalty interest for legal entities + 50% | 23.02% on an annual basis |
REMAINING PROVISIONS
1. Fees are charged at the time of service, and the costs at the time of occurrence or knowledge of their occurrence.
2. For services that are not provided for in the tariff, are determined by the Agreement with the client.
3. Amendments and additions, as well as the amount of fees are determined by the FD Administration.
LENDING TO LEGAL ENTITIES
| 1 | Application costs | from 3.500 to 10.000 denars once |
| 2 | Processing Fee | to 4,00% from the approved amount once |
| 3 | Commission for checking in the Macedonian Credit Bureau |
– 2.500 denars for natural persons (each natural person included in the loan is indebted with 2,500 den.) – 3.000 denars for legal entities (each legal entity involved in the loan shall be indebted 3.000 day.) |
| 4 | Monthly maintenance fee |
from 0% to 1% (according to the type of credit product) |
| 5 | Written warning for unpaid overdue obligations |
1-I warn you – No compensation 2-Warning – No compensation 3-th warning – No compensation 4-th warning – No compensation |
| 6 | Administrative fee for late notification SMS (individually for each participant in the loan) | No compensation |
| 7 | Written notification to guarantors/guarantors | No compensation |
| 8 | Written warning before forced collection | No compensation |
| 9 | Early partial/full repayment Revolving limit, Specific loan for working capital, Long-term concrete loan | to 5% from the amount of the outstanding principal that is repaid |
| 10 | Administrative fee for monitoring and managing overdue loans |
32 days – 5.000 MKD 62 days – 8.000 MKD 92 days – 11.000 MKD 122 days – 12.000 MKD |
| 11 | Administrative fee for monitoring and management of overdue loans for each other participant/s in the loan (guarantors) |
2.000 MKD
|
| 12 | Fee for unused approved credit | 2% of the loan amount |
| 13 | Manipulative cost to close overdue and/or doubtful claims | to 20% of the closing amount |
| 14 | Extension fee | to 3% |
| 15 | Amortization plan change fee | to 1% from the amount for which a change or minimum is made 3.000 MKD |
| 16 | Restructuring Fee | to 2% from the amount being restructured |
| 17 | Commission for changing security at the request of the client | to 3% from the claim amount |
| 18 | Commission for other services | to 10.000 MKD |
| 19 | Drafting a transcript, copy or issuance of various confirmations to clients | 3.000 MKD |
| 20 | Statement of consents related to credit exposure | 2.000 MKD |
| 21 | Re-evaluation of a mortgage loan | 2.000 MKD |
FACTORING
| 1 | Application costs | from 3.500 to 10.000 denars once |
| 2 | Processing Fee |
from 2% to 5,5% the amount of the invoice,single. The fee is determined according to the term and amount of the invoice: to 2,5% – to 1 month to 3,5% – to 2 months to 4,5% – to 3 months to 5,5% – to 4 months |
| 3 | Commission for checking in the Macedonian Credit Bureau |
– 2.500 denars for natural persons
– 3.000 denars for legal entities |
WARRANTIES
| 1 | Application costs | from 3.500 to 10.000 denars once |
| 2 | Fee |
from 0,3% to 1% per month of the amount of the guarantee or minimum 1.500 MKD,single. According to the decision of the Credit Board, the commission can be charged monthly or once in advance for the entire period. |
| 3 | Commission for checking in the Macedonian Credit Bureau |
– 2.500 denars for natural persons
– 3.000 denars for legal entities |
| 4 |
Modification of warranty conditions (except change within) |
0,2% the amount or minimum 2.000 day. |
| 5 |
Request for collection of guaranteed amount (protest warranty) |
0,2% the amount or minimum 2.000 day. |
REMAINING PROVISIONS
1. Fees for services not provided for in the tariff, are determined in the Agreement with the client.
2. Amendments and additions, as well as the amount of fees are determined by the FD Administration.
Providing - a combination of said instruments
* Framework limit;
* Real estate mortgage;
* Pledge of movable objects;
* cash deposit;
* Guarantors administrative ban;
* Garant - legal person;
* Promissory note issued by the Company, Aval by the Manager and / or founders and other guarantors - natural or legal persons, with said debtors;
* Promissory note in the form of a notarial deed;
* Pledge of Securities.
Mortgages and pledges are subject to assessment / re-assessment min. 1 per annum. They should be insured, vinkulirani and policies in favor of FD.
The financial company reserves the right to request additional security depending on the amount of the request and the results of the analysis, and according to the decision of the Credit Board.
- Real estate mortgage (to 75% the appraised value of the property);
- Pawn Vehicle (to a maximum 50% the value of the vehicle);
- Pledge of dedicated cash deposit deposited in a bank-by concluding a Possessory Pledge Agreement
– For deposit in local currency or EUR that serves as security for individual loan, revolving credit, factoring, warranty, credit Card,FD finances up 97% the pledge;
– Deposit in USD, which serves as security for an individual loan, revolving credit, factoring, warranty, credit Card,FD finances up 90% the pledge;.
