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 Maximum amount of financing:
KM 15,000.00
Maximum period of financing:
Up to 60 months
Client’s participation:
1% of the amount of financing, minimum KM 10.00
Application processing fee: 1.75% from approved amount to non-clients of the Bank (min. KM 20.00 up to 12 months);
1.75% from approved amount to non-clients of the Bank (min. KM 40.00 from 13 to 24 months)
1.75% from approved amount to non-clients of the Bank (min. KM 60.00 from 25 to 60 months) 1.25% from approved amount to the Bank’s clients (min. KM 20.00 up to 12 months);
1.25% from approved amount to the Bank’s clients (min. KM 40.00 from 13 to 24 months)
1.25% from approved amount to the Bank’s clients (min. KM 60.00 from 25 to 60 months)
Client’s age:
18 to 65 years of age
Guarantors: Depending on the Applicant’s income, the Applicant’s employer, financing up to KM 50,000.00 can be with or without guarantors.
For financing over KM 5,000.00 and up to KM 15,000.00 For financing amounts from KM 5,001.00 to KM 10,000.00 minimum one financially reliable guarantor is required For financing amounts from KM 10,001.00 to KM 15,000.00 minimum two financially reliable guarantors are required For employees in private sector who are clients of the Bank and employees of public enterprises, budget institutions, etc., financing ranging from KM 5,001.00 to KM 15,000.00 can be approved with minimum one financially reliable guarantor.
Required documents: Duly filled out and certified Application form Preliminary invoice or invoice as evidence of the subject of financing Certified copy of identity card and copy of registration of place of residence of the Applicant Salary lists/pension checks for the past three months M2 form (Pension and disability insurance registration) for employees of Independent trades business, Independent Catering business, Independent craftsmen business and Limited liability Company (except employees in state sector and joint stock companies). Debtor’s-Beneficiary’s “Declaration of acceptance of confiscation” Promissory notes of the Applicant with designation “without protest” with authorization for filling out of the notes
Note:
In case of financing where co-debtor and/or guarantor is required, the following documentation will be required from the co-debtor/guarantor: Certified part of application that relates to the guarantor/co-debtor Certified copy of identity card and copy of registration of place of residence Salary lists/pension checks for the past three months “Declaration(s) of acceptance of confiscation” M2 form (Pension and disability insurance registration) for employees of Independent trades business, Independent Catering business, Independent craftsmen business and Limited liability Company (except employees in state sector and joint stock companies). Promissory notes with designation “without protest” with authorization for filling out of the notes.
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