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Loans

FIN loan – non purpose consumer loan

 

For all employees in banks and financial institutions, TTK Bank has created special conditions and privileges. By applying for FIN loan in TTK Bank, you get the opportunity of fast and simple approach to financing your current needs.

 

Users

·       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 12 months at same employee or  the agreement is renewed once) , people that are employed in banks, and other financial institutions.

·       Individuals that receive/don’t receive payment in TTK Bank

Criteria

·       The monthly annuity should cover 1/3 of the monthly net payments.

·       The minimum monthly payments should not be above 12.000 during the application process.

Amount

·       Maximum amount  600.000,00 mkd

Currency

·       MKD

Payment terms

·       Equal monthly annuities every 1th of the month.

·       The loan should be paid from 1th of the following month.

Payment period

·       12-84 months

Interest rate

·       9,50% yearly, variable interest rate for users that receive their payment in TTK Bank, rte 10,50%

·      10,20% yearly, variable interest rate for users that receive their payment in TTK Bank, rte 11,27%

·       From the period of using the loan till the day of the payment of the loan, the Bank charges intercalary interest rate that is equal with the agreed interest rate. This interest rate is paid at the day of using the loan.

Default interest rate

·       Legal default interest rate 11,50% yearly, variable for unpaid duties.

Method and period of calculating the interest rate

·       The calculation of the interest rate is done on basis of proportional method.

Commissions

 

·       Loan application – 300,00 mkd

·       Loan liquidation: 0,50% from the amount or minimum 1.000,00 mkd

·       For administrating the loan, 0,2% from the rest of the liability (yearly, at  the beginning) max.5.000 mkd

·       For premature part liquidation, no fee.

·       For premature full liquidation, no fee.

Collateral

 

·       Without endorsers

·       Administrative ban on salary

·       Bill of exchange and statement of bill of exchange signed from the user.

·       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

·       Loan application

·       Copy from ID or passport from the applicant

·       Copy from last paid bill, ex. bill from water, electricity.

·       Certificate for permanent employment, signed from an authorized person at the employee (the certificate should not be older than 30 days)

·       Bank statement for current account for the last three months.

Example

Amount mkd

Period - months

Interest rate

rte

Monthly annuity mkd

600.000

84

9,50%

10,41%

9.806

600.000

84

10,20%

11,00%

10.023

 

 

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 on 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