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Loans

Non-purpose consumer loans

Consumer loans offer attractive terms, interest rates and fees that will enable achievement of what you wish for you and your family. For recipients of salary through TTK Bank lower interest rate and a commission for approval within the Premium SMART package.

Target group

  • Individuals, citizens of Republic of Macedonia
  • Professionally engaged individuals over 18 years of  age, permanently employed with companies and institutions acceptable for the Bank, individuals – penisoners that have directed their pension through the Bank

Amount

  • Maximum amount 600.000,00 MKD

Currency

  • MKD

Payment terms

  • Equal month annuities, matured each 1st of the next month from the day of disbursement

Period

  •  From 12 - 84 months

Interest rate

  • For yearly loans 7,50% variable interest rate for users od Premium SMART package (users of Premium SMART package receive their payment in TTK Bank, users are employeed in public institutions and join stock companies) rte 13,32%
  • 9,50% variable interest rate for users od Premium SMART package (users of Premium SMART package receive their payment in TTK Bank, users are employeed in public institutions and join stock companies) rte 11,04%
  • 11,00% annually variable interest rate for users that receive their payment in TTK Bank, rte 12,83%
  • 11,50% variable interest rate for users that receive their payment in TTK Bank, rte .%
  • Default interest rate up to 11,50% for matured, and unpoaid liabilities.
  • During the period of use of the loan until the day of its payment, the Bank calculates and pays interest at the amount of the agreed interest rate. This rate is paid on the day of use of the loan.

Commission

  • 300 mkd for loan application
  • In the course of disbursement of the loan:
  • 2,50% from the amount or minimum 2.000 mkd for users of Premium Smart package * PROMOTIONAL 1,50% min.1.000 mkd
  • 2,80% from the amount od minimum 2.000 mkd * PROMOTIONAL 1,50% min. 1.000 mkd
  • For administrating the loan, 0,2% from the amount of the rest of the liability (yearly at the begining), max.5.000 mkd
  • No fee for prematurely part paid main debt
  • No fee for prematurely full paid main debt

 

Collateral

 

sallary

collateral

amount of loan

>30.000 mkd

No endorsers (bill of exchange)

Max. 300.000 mkd

1 endorser (bill of exchange)

Min. 300.000 mkd - 450.000 mkd

2 endorsers (bill of exchange)

Min. 450.000 mkd

>15.000 ≤ 30.000 mkd

No endorsers (bill of exchange)

Max. 200.000 mkd

1 endorser (bill of exchange)

Min. 200.000 mkd -300.000 mkd

2 endorsers (bill of exchange)

Min. 300.000 mkd

≤15.000 mkd

No endorsers (bill of exchange)

Max 150.000 mkd

1 endorser (bill of exchange)

Min 150.000 mkd -200.000 mkd

2 endorsers (bill of exchange)

Max 200.000 mkd

 

 

For Premium SMART

 

sallary

collateral

amount of loan

>30.000 mkd

No endorsers (bill of exchange)

Max. 400.000 mkd

1 endorser (bill of exchange)

Min. 400.000 mkd - 500.000 mkd

2 endorsers (bill of exchange)

Min. 500.000 mkd

>15.000 ≤ 30.000 mkd

No endorsers (bill of exchange)

Max. 300.000 mkd

1 endorser (bill of exchange)

Min. 300.000 mkd -400.000 mkd

2 endorsers (bill of exchange)

Min. 400.000 mkd

≤15.000 mkd

No endorsers (bill of exchange)

Max 200.000 mkd

1 endorser (bill of exchange)

Min 200.000 mkd -300.000 mkd

2 endorsers (bill of exchange)

Max 300.000 mkd

 

- One/ two endoser

- Salary withholding and consent for its activation by the applicant an both endorsers

- Bill of exchange signed by the applicant and the endorser and  Statement of Bill of Exchange

For each Bank's credit exposure to an individual on the basis of current account overdraft, credit card and / or consumer credit (excluding mortgages) exceeds 300.000 mkd for users that does not receive their salary through the bank or over 400.000 mkd for users that receive their salary through the bank, which is secured with bill of exchange, the bill of exchange must be in the form of a notary act

 

Monthly annuities

  • The monthly annuity should be covered with 1/3 of the monthly net income of the loan applicant
  • For Premium SMART users: monthly annuity should be covered with 1/2 of the monthly net income of the loan applicant

Obligatory criteria

  • Permanent employment

Documents required

  • Copy of valid identification document or passport for the applicant and the endorsers
  • Application documents for consumer non-purpose loan
  • Certificate for permanent employment, salary and liabilities from salary for the applicant and the endorsers
  • Bill of exchange and Statement of bill of exchange signed by the applicant and the endorsers
  • For pensioners – last check of the monthly income
  • For employees in private companies summary for received salary for the last three months verified in the Internal Revenue Service

Disbursement

  • In cash on the counters of the Bank (with disbursement order on a MKD passbook or current account)

* The promotional period is valid from 15.04.2013 till 30.06.2013. Promotional fee reduction applies for approval of non purpose consumer loan for refinancing credit exposures to other banks.

Example

Amount - mkd

Period - months

Interest rate

rte

Monthly annuity - mkd

600.000

84

9,50%

10,94%

9.804

600.000

84

11,00%

12,73%

10.271

600.000

84

11,75%

13,58%

10.509

Contact Person:

Bojan Shterjovski 
Head of Retail Unit
Branch network Department
Tel. 02/ 32 47 000 ext. 480
E-mail. bojan.sterjovski@ttk.com.mk

 

 

* Last update of the web site 26.11.2015.

Copyright ТТК БАНКА АД Скопје Народен Фронт 19А 1000 Скопје тел/факс: 02/3236-400 e-mail: ttk@ttk.com.mk мапа на сајтот предупредување