Amount according to the needs and creditworthiness of the loan applicant
purpose:
* Investing in real estate
* Buying new / used vehicles and equipment
* Refinancing credit obligations to other financial institutions
(banks, Savings, financial society)
period to 96 months
interest rate – Согласно Критериуми за определување на висината на каматна стапка (depending on business, client's solvency, security offered and more.)
expenses:
• Апликативен согласно Тарифа за надоместоци на ФД од 3.500 to 10.000 day. single
• Check Device MKB ( 2.500 mkd for natural persons and 3.000 mkd for legal entities)
• Провизија согласно Тарифа за надоместоци на ФД -до 4% single
• Провизија за месечно одржување 1%.
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
- Real estate mortgage (to 75% the appraised value of the property);
- Pawn Vehicle (to a maximum 50% the value of the vehicle
- Pledge of dedicated cash deposit deposited in a bank-by concluding a Possessory Pledge Agreement
– For deposit in local currency or EUR that serves as security for individual loan, revolving credit, factoring, warranty, credit Card,FD finances up 97% the pledge;
– Deposit in USD, which serves as security for an individual loan, revolving credit, factoring, warranty, credit Card,FD finances up 90% the pledge.
Providing - a combination of said instruments
* Framework limit;
* Real estate mortgage;
* Pledge of movable objects;
* cash deposit;
* Guarantors administrative ban;
* Garant - legal person;
* Promissory note issued by the Company, Aval by the Manager and / or founders and other guarantors - natural or legal persons, with said debtors;
* Promissory note in the form of a notarial deed;
* Pledge of Securities.
Mortgages and pledges are subject to assessment / re-assessment min. 1 per annum. They should be insured, vinkulirani and policies in favor of FD.
Financial company reserves the right to require additional collateral depending on the amount of the request and the results of credit analysis, and according to the decision of the Credit Board.
