Penzionerski Loan
|
Purpose f the loan
|
Loan for all purposes
|
|
Target group
|
For domestic pensioneers
For foreign pensioneers
|
|
Amount
|
up to 600,000 MKD
|
|
Repayment period
|
Up to 60 months
|
|
grace period
|
3 months
|
|
Nominal interest rate
|
5% annual fixed
|
|
Rate of total costs (RTC)
|
from 19.469%
|
|
Fee
|
2%
|
|
Management Fee
|
0.598% (monthly)
|
|
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
|
Depending on the amount of the loan (with quarantors or solemn loan agreement wihout quarantors or 1 phisical person with administrative ban or one phisical person signed on SLA)
|
|
Documentation
|
pensioners in RM: ID, last pension coupon or pension statement fromTDC
Pensioners from other countries: ID, pension agreement foreign currency account
|
|
Method of payment
|
Equal monthly instalments
|
|
Disbursment
|
Savings account or transaction account
|
Example:
|
Loan amount
|
Interest rate
|
Term
|
Fee
|
Management fee
|
Installment
|
TCR
|
Bill of exchange
|
|
130.000 МКД
|
5%
|
60 months
|
2%
|
0.598%
|
3.230,00 МКД
|
19.470%
|
500 MKD
|
The total amount the client pays according to the example is 196.422,00 MKD.
The example is based upon disbursement at the begining of the month (1-st).
Only you have to do is fill out an application form or apply by the on-line application form.
Rate of total costs (RTC) as to 30.06.2020
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