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Detelinka Loan

Amount

up to 13.500 EUR / 810.000 MKD

Repayment period

up to 60 months

Grace period

up to 6 months

Nominal interest rate

7% annual fixed   

Fee

1,25% - 1,5%

Management Fee

0,575% - 0.825%

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

1. Up to 4.000 EUR/240.000 MKD
no pp or 1 physical person with bill of exchange or 1 pp witn administrative ban or ipp witn bill of exchange with notary act or 1 pp with SLA

2. 4.001 – 7.500 EUR/240.001-450.000MKD
2 physical persons with bill of exchange or 1 PP with AB or 1 PP with bill of exchange with notary act or 1 pp with SLA

3.7.501 – 13.500 EUR/450.001 – 810.000MKD
3 physical persons with bill of exchange or 2 PP with AB or 2 PP with bill of exchange with notary act or 2 pp with SLA

Аlternative security - mortgage or pledge

 

USAID guarantee can be another collateral of the loan

Documentation

Property sheet for the land or Lease agreement, lease agreement, / certificate from a veterinary station, proof of 1.5 hectares of land

Repayment

adapted to the needs of the client

The Savings house Mozhnosti collabotares with the Agricultural Credit Discont Fund and approves loans by the fund's credit line 

We inform you that in case you have applied for a loan and it is approved in MKD with foreign currency (EUR), and if during the loan agreement period there Is a change of the middle exchange rate of the EUR by NBRM, the monthly installment of the loan for which you have applied or approved will be calculated by the current middle exchange rate of the EUR by NBRM on the day of the payment of the loan installment.

 

Example:

Loan amount

Interest rate

Term

Fee

Management fee

Installment

Bill of exchange

196.000 МКД

7%

60 months

1.25%

0.575%

4.487 mkd

200 MKD

The total amount the client pays according to the example is 271.670,00 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.

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

 
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