• For all students at ALL Universities
• Payment period – 12, 24 or 36 months
• Grace period from 1 to 6 months
• Maximum amount to 60.000,00 denars
• Two endorsers needed (one with administrative ban and one with statement)
• Average effective instilment 9.6%

Amount/period	30.000	40.000	50.000	60.000
12 months	2.741 (instilment)	3.654.5 (instilment)	4.568 (instilment)	5.481.5 (instilment)
24 months	1.496 (instilment)	1.994.5 (instilment)	2.493 (instilment)	2.991.5 (instilment)
36 months	1.091 (instilment)	1.454.5 (instilment)	1.818 (instilment)	2.181.5 (instilment)

• Loan forms can be collected on conters of Savings House FULM and www.fulm.com.mk

• PAYMENT IMMEDIATELY

For more detailed information please call on these telephone numbers:

Central Office 02/3115-244
Branch Murtino, Strumica 034/330-721
Branch Polog,Tetovo 044/351-281
Branch JSP 02/3171-131
Branch Tikvesija 043/400-655
Branch Bitola 047/236-796

Made with support of the Michigan Credit Union League, USA