Amount to 100.000 MKD
period to 12 months
(It is renewed automatically each year )
interest rate 14,30%, variable for the rest of the period
expenses
- Subscription 1.200 denars after the first year
- application 1500 MKD
- Checking device MKB 1000 MKD
- manipulative 3% of the loan amount
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) – 20.41% for a loan of 100.000 MKD and repayment 12 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.
Using credit: Loan reduced by the amount of costs, interkalarnata dagger, etc. are used with:
– transferring funds to the account the borrower
– payment in cash in the treasury FD
– otherwise at the discretion of the borrower
The borrower is obliged to conclude a loan agreement with PD and it will be repaid according to the established
conditions.
After expiration of 12 months, loan is renewed automatically.
At the time of extension of the use of loan, analyze credit history
customer (regularity in servicing obligations) and capacity for future repayment.
Loan repayment: The amount of the monthly minimum payment is 1% of total debt plus interest for the used amount.
Maturity each month.
GENERAL PROVISIONS
The right to use the loan have citizens of the Republic of Macedonia with permanent residence in
Republic of Macedonia and the regular monthly income.
Participants in the loan on the maturity date of the final installment under the loan agreement can not be older than 64 for men and 62 years for women (notwithstanding 66 year. for men and 64 year. women if they provide additional collateral from the borrower).
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
TOOLS as loan collateral
- No guarantors with draft issued and accepted by the borrower in the form of a notarial deed
with clause executive - Something else
OTHER cONDITIONS
All costs related to approval, insurance, use and repayment of the loan, and notary services
borne by the borrower.
For early repayment of the loan FD not calculate and charge fee for early repaid part.
FD reserves the right to decide at its discretion differently determining the creditworthiness,
collateral and the amount of the amounts of loans.
General documents
Request for registration of a natural person (kreditobaratel)
Administrative ban kreditobaratel
(Certified Administrative ban, three copies of applicant)
Confirmation statement for regular repayment of loan
(Only firms that are not certified administrative ban)
Declaration of family and financial situation(K)
CONSENT-personal-data-Creditor
Extract from the bank account of the borrower for last 6 months
M1 / M2 Sample
Extract from the Central Register (current state) not older than 15 days (private enterprises)
Recapitulation of the calculated salary for the last 3 months (private enterprises)
VISA БС Картичка - > > 0 % interest for each of you!