Amount to 400.000 MKD
period to 96 months
interest rate 8%, variable for the rest of the period
expenses:
- application 500 MKD
- Checking device MKB 500 MKD
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) – 8,34% for a loan of 400.000 MKD and repayment 96 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 under specified conditions.
The right to use the loan have citizens of the Republic of Macedonia with permanent residence in the Republic of Macedonia. The loan is intended only for internal employees in the companies of the founders and these conditions are valid until the moment the employees are employed by these companies/companies.
If the credit user (the employed person) during the lifetime of the loan, he left the company/company in which he was employed, from that moment these credit conditions cease to apply and begin to apply, i.e.. current market credit terms apply (a new depreciation plan is calculated) in terms of the interest rate and the monthly fee for credit management, as well as for other customers.
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.
FD determine creditworthiness of the borrower.
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 and determine other creditability.
FD in the process of processing the loan application despite the determined advance documentation reserves the right to require additional documentation and determine other creditability.
TOOLS as loan collateral
- no guarantors
- bill of exchange issued and accepted by the borrower
OTHER cONDITIONS
All costs related to approval, use and repayment of the loan, and notary services bear the borrower.
FD reserves the right to decide at its discretion differently in determining the creditworthiness and collateral.
For early repayment of the loan FD not calculated and collected a fee of early repaid part.
General documents
Application for registration of individual applicant
(Certified Administrative ban, three copies of applicant)
Declaration of family and financial situation(K)
CONSENT-personal-data-Creditor
Certificates of total debt
guarantors
Application for registration of individual guarantor for
Administrative ban for endorser
(Certified Administrative ban, three copies of guarantor)
Declaration of family and financial situation
Draft statement with guarantor
