Stojancho Karachanakov, Skopje

Fourteen years ago, in July 2003, my life brought me to the premises of JSP Branch of FULM Savings House.

It was at that time that a big change in my life took place – I became a “young” retiree at the age of 49. At that time, we had a house that was an illegal construction. I was aware that I had to find a solution for both legalization and investment in it, because the house was, so to speak, “fit together.” In addition, the children were growing up and it was more than clear that I would have to invest in it so that I can provide a home for my family. I said, I will try to get a housing loan, but none of the banks wanted to risk giving a housing loan to a pensioner!

Well, this is where my success story begins, the moment I found out about FULM Savings House! At the time, I was one of the users of bank checks that I could leave as a loan guarantee, popularly called a “loan” at the time. And so I started, one by one loan, I left checks, I took a loan, I finished building, returned it in several installments, and again, and again … In this way I built the house, gradually. I was really lucky to be given this opportunity and I really felt proud, valuable and successful. I was disciplined and regularly repaid my loan, so I gained reputation and respect in the eyes of the employees of FULM Savings House, and they call this a GOOD CREDIT HISTORY. But, I have to be honest, the staff at the Savings House were extremely polite and kind, always ready to meet my needs.

Over the years, I have realized many of my needs, as well as the needs of my family, with the financial services of FULM, partly by taking out loans and partly by saving.

For 14 years now, I have been a member of FULM Savings House, and it has become my safe and friendly place, where I can go whenever I need something, and for this I am very grateful.