Consumer Loan
|
Target group
|
Employed in AD, Budget, JP, DOO/DOOEL companies acceptable for the Savings house*
|
|
Amount
|
up to 900.000 MKD
|
|
Repayment period
|
6 to 84 months
|
|
Nominal interest rate
|
10% - 12%
|
|
Rate of total costs (RTE)
|
from 12.04%
|
|
Fee
|
1.5% - 2.5%
|
|
Management Fee
|
0.05%
|
|
Other loan costs
|
Bill of exchange in amount of 100 – 500 MKD depending on
the loan amount
Current interest depending on the loan disbursement
|
|
Collateral
|
A) 0 – 45.000 MKD net salary
1. up to 90.000 MKD
administrative ban of the applicant
2. From 90.001-459.000 MKD
administrative ban of the applicant and 1 physical person with AB
3. 459.001-720.000 MKD
Administrative ban of the applicant and 2 physical persons with AB
B)over 45.000 MKD net salary
1. up to 300.000 MKD
administrative ban of the applicant
2. from 300.001-600.000 MKD
Administrative ban of the applicant and 1 physical person with AB
3. from 600.001-900.000 MKD
Administrative ban of the applicant and 2 physical persons with AB
|
|
Documentation
|
ID of the applicant
Salary receipt
|
|
Repayment
|
Equal monthly installments
|
*Information for DOO/DOOEL companies acceptable for the Savings house Mozhnosti can be found in the branches of the Savings house.
Example:
|
Loan amount
|
Interest rate
|
Term
|
Fee
|
Management fee
|
Installment
|
TCR
|
Current interest
|
Bill of exchange
|
|
900.000 МКД
|
10%
|
84 месеци
|
1.5%
|
0.05%
|
15.391,07МКД
|
12.04%
|
7,250 МКД
|
500 MKD
|
Only you have to do is fill out an application form or apply by the on-line application.
Savings house reserves the right to refuse the application of the applicant.
Savings house reserves the right to change the terms without prior notice.
Savings house Mozhnosti
Moving together