Loan for pensioners

Amount to 200.000 MKD

period to 36 months

interest rate 14,30%, variable for the rest of the period

Securing:

  • 1 guarantor to 100.000 MKD
  • 2 guarantors to 200.000 MKD

expenses
• Application 1500 MKD
• Check Device MKB 1000 MKD
• Application 3% of the loan amount
• Fee for management of credit 0,50% 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) -30,72% for a loan of 200.000 MKD and repayment 36 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.
loan – retiree, can not be over 75 years of the date of the last obligation of credit or more by a decision of a higher authority.

FD determine creditworthiness of the borrower and guarantors solidarity.

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

guarantors

Company data

Request for registration of a natural person (the guarantor)

ADMINISTRATIVE BAN

(Lien certified in three copies of guarantor)

Confirmation statement for regular repayment of loan

Company data

(Only firms that are not certified administrative ban)

Statement related parties

Declaration of family and financial situation

Draft statement with guarantor

ICD Statement SOGLSANOST

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

0% dagger


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