Amount to 3 000.000 MKD
period to 180 months
interest rate 14,30%, variable for the rest of the period
expenses
• Application 1500 MKD
• Check Device MKB 1000 MKD
• Application 2% 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.
Using credit: The loan is used to:
– transferring funds to the account of 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 FD.
Loan repayment: The loan is repaid in equal monthly installments or installments, with or without administrative ban
the monthly income of the borrower. Annuity or installment part comprising principal and interest of. The first installment or installments due for payment according to the amortization schedule or under contract. Maturity payment 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.
The holder of the loan - the loan on the date of application can not be over 60 years
The borrower is creditworthy when the market value of the collateral mortgaged covers the whole loan. The ratio of the value of mortgage and loan them determined individually for each application a higher authority in FD.
FD determine creditworthiness of the borrower and / or co-applicant.
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
ask for additional documentation and determine other creditability.
TOOLS as loan collateral
- mortgage,
- kokreditokorisnik
- bill
All costs related to assessment, approval, insurance, use and repayment of the loan, and notary services bear the borrower.
The assessment of the property carried out by certified appraiser by FD.
FD reserves the right to require additional instruments insurance.
For early repayment of the loan FD calculated and charged 5% provision of 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
(Certified administrative ban in three copies for loan)
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!