I. BUSINESS LOANS

 

Amount:                       up to 200.000 EUR / 12.000.000 MKD
 
Repayment period:       up to 60 months

Grace period:               up to 12 months
 
Purpose:                      Construction, adaptation, renovation, start up businesses, payment for business premises,  working and capital assets for individual agriculture producers, short-term finance of working capital for production companies: machines, spare parts, equipment etc..
 
Documentation:              Personal ID or Current account
 
Repayment:                    Flexible according to the investment cycle of the client





II.AGRICULTURE LOANS

 

Amount:                     up to 100.000 EUR / 6.000.000 MKD

Repayment period:    up to 60 months

Grace period:             up to 12 months

Purpose:                   Working and capital assets, field crops,  fruit  and wine Industry, livestock production, fixed assets in primary production

Documentation:        Personal ID and Current account

Repayment:              Flexible according to the investment cycle of the client

 

III. POPULATION LOANS

 

Consumer loans:
Amount:                      up to 10.000 EUR / 600.000 MKD
Repayment period:     up to 60 months
Purpose:                     different purpose loans (furniture, vehicles, education, health etc.)

Housing loans:
Amount:                     up to 60.000 EUR
Repayment period:    up to 240 months
Purpose:                    Loans for purpose, construction  of  houses, apartments.

Student loans:
Amount:                     up to 1.500 EUR / 90.000 MKD
Repayment period:    up to 24 months
Purpose:                    Loans for payment of costs for studies

Repayment:               Population loans are repaid with equal instalments

Total Costs Rate (TCR) 30 06 2010

IV. Frame-revolving loan

The frame-revolving loans is a type of loan that is approved to clients for their available and easier of the various credit facilities that the Savings house Moznosti offers. Within the frame of the determined loan limit the clients can use different loan products with different Repayment periods, but up to the determined limit the most and the last maturity period of the frame-revolving loan.


V. Loans vs. deposits

Loans vs. deposits are loans approved to the clients that as a collateral they offer their personal deposits.

Denar deposit with full collateral.

Depoe – full coverage of the loan


Collateral

Depending on the amount and the type of the loan the loan applicant can choose among the following collateral:

- Bill of exchange;
- Administrative bans for employees from respected companies;
- Deposits;
- Pledge on vehicles with vinculation;
- Pledge on assets and rights;
- Bank guarantees;
- Mortgage;
- Personal estate and rights;
- Bill of exchange with notary act.

For all detailed information please contact the nearest branch of the Savings House Mozhnosti or send us loan application form to the following e-mail adrress .

Moving together
Savings House Mozhnosti