Amount to 300.000 MKD
period to 60 months
interest rate 12%, variable for the rest of the period
Securing:
- Without guarantor until 150.000 MKD
- 1 guarantor from 150.001 – 300.000 MKD
expenses
• Application 3000 MKD
• Check Device MKB 2000 MKD
• Application 4% of the loan amount
• Fee for management of credit 0,99% per month
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) -34% for a loan of 300.000 MKD and repayment 60 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.
GENERAL PROVISIONS
The right to use the loan have citizens of the Republic of Macedonia, personal users of the Pension Fund of Macedonia with permanent residence in the Republic of Macedonia.
FD determine creditworthiness of the borrower and guarantors solidarity.
Borrower and solidarity are creditworthy guarantors, they have a net monthly income that guarantee the monthly installment will not exceed 70% од вкупните месечни нето примања.
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.
TOOLS as loan collateral
- solidarity guarantors
- bill, signed by all participants in the loan
- something else
OTHER cONDITIONS
All costs related to approval, insurance, use and repayment of the loan shall bear the borrower.
For early repayment of the loan FD not calculate and charge fee. 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 (for kreditobaratel)
Declaration of family and financial situation(K)
CONSENT-personal-data-Creditor
Confirmation of PDI for last 3 months
Extract from the bank account of the borrower for last 6 months
guarantors
Request for registration of a natural person (the guarantor)
(Lien certified in three copies of guarantor)
Confirmation statement for regular repayment of loan
(Only firms that are not certified administrative ban)
Declaration of family and financial situation
Draft statement with guarantor
CONSENT-personal-data-guarantor
Extract from the bank account of the guarantor for the 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)
Health ID card/ FZO number
