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Date: 25/11/2017

Time: 12:14:28

Deposits | General Information

 

TYPES OF DEPOSITS

INTEREST RATES

(annually in denars)

RATE OF CONFIDENCE

CURRENCY CLAUSE EUR

At call (a vista)

0.1%

/

/

TERM DEPOSIT ACCOUNTS

 

 

 

Member deposit

5%

/

/

1 month deposit

0,2%

/

0,1%

3 months deposit

0,7%

/

0,6%

6 months deposit

1,3%

1,8%

0,8%

Holliday deposit 2010, 6 months 1,4% 1,6% 0,9%

Youth savings club

1%

/

/

Summer Winter deposit 2008, 9 months

2,1%

2,6%

/

Summer Winter deposit, 6 months

1,4%

1,6%

/

Childrens saving club, 6 months

1,4%

1,6%

/

Summer saving club, 7 months

1,9%

2,4%

/

New Years deposit, 8 months

2,0%

2,5%

/

Golden Age deposit, 9 months

2,1%

2,6%

/

Student deposit, 12 months

2,2%

2,7%

/

Annual deposit 12 months

2,3% 2,8% /

FULM Club 10, 16 months

2,6%

3,1%

/

Holliday deposit 2008, 14 months

2,6%

3,1%

1,9%

FULM Club 15, 16 months, Via transaction account

2,7%

3,1%

/

Holliday deposit 18 months

3,2%

3,7%

1,9%

12 months deposit

2,2%

2,7%

1,8%

24 months deposit

3,4%

3,9%

2,2%

36 months deposit

3,7%

4,1%

2,3%

Spring deposit 36 months

3,9%

4,2%

/

Agriculture deposit, 48 months

/

/

2,0%

48 months deposit

3,9%

4,3%

2,4%

Deposit 15 , 48 months

4,0%

4,3%

/
60 months deposit

4,1%

4,5%

2,4%

Voluntary saving deposit, 6 months

1,2%

1,7%

1,0%

Voluntary saving deposit, 12 months

1,9%

2,4%

1,8%

According to Decision of 29.06.2017


FULM Savings house Skopje does not collect foreign currency deposits on their counters (Published on 19.05.2015)


The minimum total amount of the time deposit is 2,000 denars, except for the Member deposit, At call deposit, Youth club deposit, the Childrens savings club and the limited deposits. 

FULM Savings House secures the savings deposits with the Fund for Insurance of Savings deposits.

The Savings House guarantees with its founding capital for the security of the deposits. 

Interest is calculated on the basis of daily compound interest rate of the deposit. 

About at call deposits which 31.12 have a balance of member deposits or they are existing service users and / or they are users through family deposits interest is calculated as 31.12 for the current year with the last published rate.

For capitalisation deposits, interest is calculated on monthly basis and recorded as mature up to the date for interest disbursement. For deposits without capitalisation, interest is calculated on monthly basis and recorded as monthly mature interest on the maturity date. 

The foreign currency clause refers only for protection of more than 5% (five percent) devaluation.

The interest rate of the deposits connected to the loans are different regarding the above-mentioned interest rates.

In the event that within the duration of the contract for deposits in EUR, the exchange rate of the EUR according to the mean value of NBRM is increased for more than 5 %, as a result of devaluation stated by NBRM, the principal value of the deposit will be adjusted by decision from the Sole Shareholde of the FULM Savings House. The interest for the period of time after the performed adjustement will be calculated on the basis of the new principal value of the deposit.
The Sole Shareholde of the Savings House is obligated to adjust the principal value of the deposit after the performed devaluation.

The mature interest will be decreased by the amount of the Personal income tax from the deposit interest. The personal income tax from the deposit interest is calculated and paid on the interest disbursement date.
 

Since 01.05.2012 year because of longstanding confidence in saving FULM calculate interest rate increased by 0.2-0.5% depending on the period of initial investment. Savings FULM pay the bonus interest rate of 0.1% if the depositary has decided to deliver the cashless transaction through trade.
 

Authorizing power of attorney to other person to dispose of the deposit funds


The deposit holder can, at the moment of opening the deposit or additionally, authorize power of attorney to another individual (one or more than one) to dispose of the deposit funds in the validity period of the deposit agreement: 

  • At FULM Savings House desk offices

The deposit holder can authorize power of attorney for the following:

  • unlimited disposal of the funds

  • limited disposal of the funds (to a specified amount, or to a specified time period, or for disposal only of interest and alike)

  • one-purpose power of attorney

The authorized person has not got the right to request from FULM Savings House to close the account in which the deposit is kept, nor to assign his/her power of attorney to another person.

The deposit holder can determine the power of attorney to be used:

  • - in the validity period of the deposit agreement until revoking by the deposit holder
     

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If you are interested in internships in FULM Savings House, send the CV on info@fulm.com.mk

FULM SAVINGS HOUSE info@fulm.com.mk

Updated on 15/11/2017