Amount :According to the needs and creditworthiness of the loan applicant.
purpose: current liquidity, working capital
period to 36 months (an exception to 60 months)
interest rate – согласно Критериуми за определување на висината на каматна стапка (depending on business, client's solvency, security offered and more.)
expenses:
application costs
• According to the fees for the FD
– from 3.500 to 10.000 denari (single)
• Надомест за обработка согласно Тарифа за надоместоци на ФД: -to 4% ednkratno
• Провизија за месечно одржување 1%.
Fee for check-in ICD
– 2.500 мкд за физичко лице
– 3.000 mkd for legal entities
For early repayment of the loan FD calculated and charged to 3% provision of early repaid part (by decision of the authority of the FD).
Loan repayment : *With equal installments, According to the plan of repayment
*With a grace period, and repayment of principal installments, According to the plan of repayment
*With dynamic plan of repayment, according sezonalnosta business
*With a single repayment of principal on the expiry of the grace period
1. Real estate mortgage (to 75% the estimated value of
property);
2. Pawn Vehicle (to a maximum 50% the value of the vehicle);
3. Bet on dedicated cash deposit deposited in a bank
signing a contract for possessory pledge- For deposits in denars
or EUR that serves as security for individual loan, revolving
credit, factoring, warranty, credit Card,FD finances up 97% from
pledge;- Deposit in USD, which serves as security for a specific
credit, revolving credit, factoring, warranty, credit Card,FD
credited to 90% the pledge;Board.
Providing - a combination of
said instruments
* Framework limit
* Mortgage real;
* Pledge of movable objects;
* cash deposit;
* Guarantors administrative ban;
* Garant - legal person;
* Promissory note issued by the Company, availing of the manager and / or
founders and other guarantors - natural or legal persons, with debtors
statements;
* Orders PP30 Blanco signed by client;
* Pledge of Securities.
Financial company reserves the right to require further
providing depending on the amount of the request and the results of
credit analysis, and according to the decision of the Credit Committee.
