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MoneyGram - меѓународен трансфер на пари

Cards

VISA Classic Revolving - credit card

 

 

- Minimum monthly payment 5% - Simple and secure payment of your expenses, all over the world, without commission - Possibility for additional cards. - Low yearly fee for basic card. - One account in the country and abroad - Allowed credit limit max. 500.000 MKD - Grace period till 15th the following month - Simple following the changes on your account by using the e-banking service - Visa cards are with chip technology that provide confident and secure data base and prevention from frauds.

 

Target group

·   Citizens of R. Macedonia, professionally engaged individuals over 18 years of age, permanently employed or employed on fixed period (if the agreement is renewed on continues basis in the last 2 years or if the agreement covers the payment period of the loan), people that are employed in public institutions, joint stock companies and profitable private companies with over 25 employees in A or B criteria.

·   Minimum monthly payment of the loan applicant/endorsers should not be bellow 9.000 during the application.

Currency

·   MKD

Amount

·    Credit limit max. 500.000 MKD

·    Credit limit depends from the credit ability of the user

Period

·   First issuing 3 years

·   Reissuing 3 years

Terms of payment

·   Revolving card

·   The interest rate is calculated only for the spent amount

·   Minimum monthly payment 5%

·   Grace period 45 days

·   Payment period 15 days (from the obligation in the  monthly report)

·   you receive monthly report by the Bank on the due debt

Collateral

Payment

Collateral

Amount

>30.001 mkd

No endorsers

Up to 120.000 mkd

1  (one) endorser

From 120.000- 360.000 mkd

2 (two) endorsers

From 360.000-600.000 mkd

≤ 30.000 mkd

No endorsers

Up to  60.000 mkd

1 (one) endorser 

From  60.000 – 120.000 mkd

2 (two) endorsers

From 120.000 mkd

 

Additional:

·   Administrative ban for payment from the company where the credit applicant is employed, endorser/s and agreement for activation (if the company is giving the agreement)

·    Standing order for payment the monthly annuities from the credit applicant’s account for users of payment/pension in TTK Bank.

·    Bill of exchange signed by the credit applicant, endorser/s

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

Documents required

·    Copy from valid ID card or passport from the user and the endorser

·    Signed in and filled application for issue and use of card

·    Confirmation for regular employment, salary and other withholdings of the beneficiary and the endorser

·    Salary withholding and agreement for activation for the beneficiary and the endorser

·    Summary of last three months salary for employees in private companies verified with the Internal Revenue Service

·    Last paid bill (electricity, water, telephone)

Commissions

·    Non cash payment at POS terminals, no commission

·    Withdraw from ATM’s or counters in TTK Bank 1,5%+100,00 MKD from the withdrawn amount in the country

·    Withdraw from ATM’s or counters in other banks - 3%+150 MKD from the withdrawn amount in the country

·    Withdraw from ATM’s or counters in other banks abroad -3,5%+200 MKD from the withdrawn amount

Fees

·    Yearly fee for basic card 1.200 mkd on 12 installments ( Customer free of charge for the first year of newly approved loans in promotional period up till 31.12.2013).

·   Yearly fee for basic card for users that receive their payment in TTK Bank 600,00 MKD on 12 installments (Customer free of charge for the first year of newly approved loans promotional period until 31.12.2013).

·    Yearly fee for additional card for the first year, 600 mkd on 12 installments

Additional expenses

·    Reissuing PIN - code 200,00 MKD

·    Reissuing of lost, stolen or damaged card 500,00 MKD

Interest rate

·    Interest rate for allowed overdraft 10,50 yearly, for users that receive their payment/pension through TTK Bank

·    Interest rate for allowed overdraft 10,50% yearly, for users that are employed in banks and financial institutions, that receive/don’t receive their payment in TTK Bank.

·    Interest rate for allowed overdraft 10,50% yearly, for users that doesn’t receive their payment in TTK Bank.

·    Legal default interest rate 11,50% yearly.

Reason more

 

·    Simple and fast approach to your money 24 hours daily

·    Cash payment and cash withdraw on ATM and counters in   the country and abroad

·    Lowering the risk of carrying cash

·    Lowering the time for going in bank

·    Secure payment with your PIN code

For the provided basic and additional services, TTK Bank charges commissions according to the Tariff for commission for services provided by TTK Bank. 

Sign the application and leave at one of the sub-branches of TTK Bank in R. Macedonia 

 

 

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

 

Olivera Naumovska
Head of Back office Unit - retail
Back Office Department
Tel. 02/ 32 47 000 ext. 009
E-mail. olivera.naumovska@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